Pressure washing business owners face unique risks, from equipment damage to chemical overspray and customer property claims. Many clients also require proof of insurance before hiring someone for a job. However, choosing the right policy can be overwhelming with so many providers available.
We’ve narrowed it down to five of the best insurance for pressure washing businesses in 2025.
- Insurance Canopy: Best for small to medium-sized pressure washing businesses needing affordable, specialized protection
- NEXT: Best for businesses that want everything managed online
- Thimble: Best for pressure washers offering seasonal or one-off services
- Hiscox: Best for pros who need flexible payments and global coverage
- Simply Business: Best for comparing multiple quotes in one place
Top 5 Best Pressure Washing Insurance Companies
Pressure washing insurance is designed to protect your business from costly lawsuits, property damage, and equipment issues. To help you compare options, we reviewed five top-rated insurance providers for pressure washers based on coverage features, pricing, and ease of use.
Insurance Canopy: Best for Specialized Pressure Washing Coverage
Insurance Canopy is a top choice for pressure washing professionals who want affordable, flexible coverage built specifically for their industry. With instant online quotes and proof of insurance, it’s a hassle-free option for new and experienced pressure washers.
| Pros | Cons |
|---|---|
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Built specifically for pressure washers |
Doesn’t cover elevated / exterior building washing |
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Instant quote and COI |
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Reliable U.S.-based support (with Spanish-speaking agents) |
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Choose between monthly payments or up to 12% savings with annual payments |
Highlights
- Starts at $39 per month – one of the lowest starting prices on the market
- Instant proof of coverage and fully online policy management
- Add additional insureds anytime from your dashboard
- Reliable U.S.-based, non-commissioned support team (with Spanish-speaking agents)
Pricing
- Monthly: $39
- Annual: Save up to 12% with annual billing
Coverages offered
Tip: Take a closer look at what’s covered and what’s not in Insurance Canopy’s pressure washing insurance.
NEXT: Best for Small Pressure Washing Teams Wanting Easy Online Access
NEXT Insurance offers pressure washing businesses a fully digital way to manage coverage, with three bundling tiers that allow you to choose the protection level that best fits your needs. Policies can be managed entirely online or through their app, making it a convenient option for those who prefer a mobile-first experience.
| Pros | Cons |
|---|---|
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Affordable bundles for pressure washing businesses |
Limited live phone support may frustrate users who prefer speaking with a real person
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Instant quote and COI via web or app |
May not be ideal for larger-scale operations |
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Coverage includes E&O for claims of professional mistakes |
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Customizable packages based on business needs |
Highlights
- Save up to 25% when bundling two or more policies
- Get insured in minutes with instant COI access
- Fully online quote, purchase, and policy management
Pricing
Starts at $75 per month. NEXT doesn’t advertise flat rates — pricing depends on your business size, services offered, vehicles used, and where you operate. Tiers offered are as follows:
- Basic:
- General liability: $300K per occurrence
- Tools and equipment: $3K per occurrence
- Commercial property: $25K per occurrence
- Commercial auto: $85K combined single limit
- Pro:
- General liability: $1M per occurrence
- Tools and equipment: $5K per occurrence
- Commercial property: $25K per occurrence
- Commercial auto: $100K combined single limit
- Pro Plus:
- General liability: $1M per occurrence
- Tools and equipment: $10K per occurrence
- Commercial property: $25K per occurrence
- Commercial auto: $1M combined single limit
Coverages offered
- General liability insurance
- Contractors’ errors and omissions insurance
- Commercial auto insurance
- Tools and equipment insurance
- Commercial property insurance
Thimble: Best for On-Demand or Seasonal Pressure Washers
Thimble is a solid choice for pressure washing professionals who work seasonally or take on one-off gigs. With flexible coverage options, you only pay for insurance when you need it. You can also manage everything straight from your phone with the Thimble app, making it easy to get covered on the go.
| Pros | Cons |
|---|---|
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Very flexible, great for part-time or seasonal workers |
Not ideal for larger or full-time operations needing continuous, complex coverage
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Add or remove insureds instantly from your dashboard |
Add-on costs can increase the price quickly for year-round businesses |
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Fast online quote and policy-binding process |
Highlights
- Buy coverage by the hour, day, week, month, or year
- Instant COI issued upon purchase
- Manage everything from your phone via the Thimble app
Average Pricing
- Hourly: $27.53
- Daily: $121.18
- Weekly: $76.69
- Monthly: $103.00
- Annually: $1,233.00
Note: Rates vary based on your location, team size, and coverage needs.
Coverages offered
Included:
General liability insurance
- Add-ons:
- Business equipment protection
- Workers compensation
- Professional liability insurance
- Additional insureds
- Business owners policy
- Commercial auto insurance
- Commercial property insurance
- Hired and non-owned auto insurance
Hiscox: Best for Those Needing Worldwide Coverage
Hiscox is suitable for pressure-washing business owners who want flexible payment plans and coverage that follows them wherever their jobs take them, even abroad. It’s especially well-suited for pros handling commercial work, using chemicals, or traveling to multiple job sites.
| Pros | Cons |
|---|---|
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Custom policies for specific pressure washing risks |
Not ideal for ultra-short-term or on-demand coverage
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Strong claims support and customer service |
Highlights
- Monthly and annual payments are available
- Claims responsiveness with a dedicated agent from day one
- Worldwide coverage (claims must be filed in the U.S., U.S. territories, or Canada)
Pricing
Hiscox doesn’t list flat-rate pricing, as premiums depend on your location, services, revenue, and team size.
Coverages offered
Included:
General liability insurance
Professional liability insurance
Business owners policy (BOP)
- Add-ons:
- Commercial property insurance
- Cyber liability insurance
- Workers compensation
Simply Business: Best for Comparing Multiple Quotes
Simply Business is a smart choice for pressure washing pros who want to compare insurance quotes from top-rated national providers quickly. It’s not an insurer itself, but a broker that partners with leading carriers to help you find customized coverage options based on your business size, services, and location.
| Pros | Cons |
|---|---|
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Easy-to-use platform with fast quote process |
Doesn’t underwrite policies directly — you’ll work with a third-party carrier
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Great for new businesses that want to explore options |
Support experience can vary depending on the insurer you choose |
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Offers access to top insurers
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Highlights
- Compare quotes from top insurers in one place
- Customize your coverage in just three steps
- Access your COI online 24/7
- Over 1 million small business owners insured
Pricing
Simply Business doesn’t provide flat pricing since quotes vary based on the selected carrier, your location, services offered, experience, and business size.
Coverages offered
General liability insurance
Contractor’s equipment and small tools insurance
Workers compensation
Commercial auto insurance
Professional liability insurance
Business owners policy
Protect Your Pressure Washing Business With the Right Policy
Your pressure washing business deserves solid protection. Insurance Canopy makes it easy to get the right coverage without the stress — fast quotes, flexible plans, and instant proof of insurance. Protect your business today and keep every job running smoothly.
Questions About Pressure Washing Business Insurance
How much does pressure washing insurance cost?
Pressure washing insurance costs $39 per month or $435 per year with Insurance Canopy.
How do I switch from my current provider to Insurance Canopy?
Switching to Insurance Canopy is simple. Follow these steps:
- Get an instant quote online
- Purchase a policy directly from the website
- Once your policy is active, access your dashboard to download your COI
- Reach out to your old policy provider to cancel your previous coverage
Do I need insurance if I’m a solo pressure washer?
Yes, even solo pressure washers face risks. Pressure washing insurance helps protect your business financially in these situations. Going without coverage puts your income, equipment, and professional reputation at risk, even for one-off or seasonal jobs.
Can I get same-day coverage?
Yes, Insurance Canopy offers same-day coverage with instant online quotes. You can purchase a policy in minutes and immediately access your COI from your dashboard.
Can I cancel or pause my policy?
You can cancel your Insurance Canopy policy anytime directly from your online dashboard. At this time, policies can’t be paused. If you only need coverage for a short period, consider purchasing a monthly plan. You’ll still get full access to your dashboard, COI, and coverage features, with the flexibility to cancel if needed.
