You’ve got the gear. You’ve got the hustle. Now you’re wondering: How much is pressure washing insurance going to cost me?
Here’s the good news: If you’re a solo pressure washer, Insurance Canopy offers coverage starting at just $39 a month. That’s less than a tank of gas, and far less than the national average starting cost of $75 per month. Plus, it helps protect your business from costly accidents or lawsuits.
TL;DR: How much is insurance for a pressure washing business?
- On average, pressure washers pay $75 per month in the U.S.
- Solo contractors can get covered for $39 per month with Insurance Canopy
- Your price depends on your business size, type of work, revenue, and claims history
- Get a quote in minutes — no agent required
How Much Is Insurance for a Pressure Washing Business?
Insurance Canopy’s pressure washing insurance costs as low as $39 per month. It includes up to $500,000 per incident and $1 million per year in general liability coverage. This is far less than the national average ($75/month) new pressure washing businesses pay for insurance.
If you’re just starting, running solo, and mostly handling residential jobs, your total cost for pressure washing insurance could be $39. Your cost could be higher depending on your annual revenue, whether you have employees, or if you take on more commercial jobs.
Add-Ons to Consider for Extra Protection
While general liability covers third-party property damage, bodily injury claims, and related legal costs, add-on coverages can protect other important parts of your business:
- Tools and equipment (also known as inland marine insurance): If your pressure washer or hoses get stolen or damaged, this helps cover repair or replacement costs.
- Workers compensation: Required if you have employees, it covers their medical bills and lost wages if they get hurt on the job.
- Commercial auto: Personal car insurance won’t cover accidents if you’re using your vehicle for business.
- Janitorial bonds: Protects your clients if an employee steals from them. If a theft occurs, your client can file a claim and be reimbursed directly.
- Cyber liability: Protects you if you handle customer data and face cyberattacks or data breaches.
- Additional insureds: Property managers or landlords often require this, so your policy covers them too if something goes wrong on their property.
Find out how much insurance costs for pressure washing businesses like yours — get a quote online in just a few minutes.
What Affects the Cost of Pressure Washing Business Insurance?
Several things go into calculating your rate, like the city or state you work in, the limits of your coverage, or the add-ons you choose. With Insurance Canopy, you can tailor your policy to match your business and your budget.
Here are other factors that affect how much you’ll pay:
- Business size: Are you a one-person show or managing a crew?
- Type of work: Residential jobs are usually lower risk than commercial work.
- Revenue: The more you earn, the more there is to protect.
- Claim history: If you’ve never had a claim, you’ll likely pay less than someone with past incidents.
Is Pressure Washing Insurance Worth It?
Yes, pressure washing insurance is worth it. You didn’t go into business just to worry about lawsuits. Pressure washing is already a high-impact job. Insurance just makes sure the only thing you’re breaking is grime.
Pressure washing insurance helps protect against real-world risks like:
- Water damage to siding, windows, or landscaping
Cosmetic repairs alone can run from the hundreds into the tens of thousands. Replacing siding or custom fixtures can easily hit $5,000 or more. - Property damage from hoses or equipment
A single cracked window can cost $150 to $700 to replace. A damaged car door can cost $2,000 to $6,000, depending on the model. Statues or custom fixtures can be much higher. - Slip-and-fall injuries from wet walkways
If a third party gets hurt and files a claim, you could be looking at $10,000+ in medical and legal costs.
Even if you’re careful, accidents happen. And if someone sues or files a claim, you could be stuck paying thousands out of pocket without coverage.
When Do You Need Pressure Washing Insurance?
If you’re wondering when you need pressure washing insurance for your business, here’s a quick gut check to help you out.
Quick quiz: Do you actually need pressure washing insurance?
- Do you work on customer property (homes, storefronts, or commercial spaces)?
- Could a client or passerby get hurt while you’re working?
- Have you ever been asked to show a Certificate of Insurance (COI) to land a job?
- Would paying $5,000 to $20,000 out of pocket for a claim hurt your business?
- Are you planning to grow your business or bid on larger projects soon?
If you answered “yes” to 2 or more questions, insurance is a smart move for you.
If you answered “yes” to 4 or more, it’s not just smart — it’s essential.
The reality is that even just to start a pressure washing business, insurance will be a must-have; here’s why:
- Clients or vendors often require proof of insurance before hiring you
- Local or state laws may require insurance to get licensed
- Certain kinds of contracts (like work for homeowners associations/HOAs, commercial properties, or government contracts) usually won’t even consider bids from pressure washers who aren’t insured
- Mistakes happen, and insurance helps cover the cost, so you don’t have to
You take on risk every time you work. Insurance gives you a buffer so one mistake doesn’t wipe out everything you’ve built.
Tip: If you’re curious about what’s included in your coverage, our guide to pressure washing insurance has the full breakdown.
How to Get Affordable Pressure Washing Insurance (Fast)
Getting insurance for a pressure washing business shouldn’t slow you down, and with Insurance Canopy, it doesn’t. Whether you’re just starting a pressure washing business or scaling up, our online process is designed to be fast, simple, and stress-free.
Here’s how easy it is:
- Get a quote online in minutes
- Buy your policy instantly — no phone calls or agents required
- Get your COI immediately
Here’s what you should have on hand to speed things up for your insurance application:
- Your business location
- What kind of pressure washing services you offer
- Your expected annual revenue
- Any past insurance claims
Common Questions Pressure Washers Ask Us About Insurance
Do I Need Insurance to Start a Pressure Washing Business?
Yes, you need insurance to start a pressure washing business if you want to protect yourself from costly risks. Even solo operators can face expensive claims from property damage, water intrusion, or injury on the job.
Plus, many clients require proof of insurance before they’ll hire you. Getting covered early shows you’re serious, professional, and ready to grow.
Can I Buy Insurance for My Pressure Washing Business Online?
Yes, you can buy pressure washing insurance online in just a few minutes. With Insurance Canopy, you can get a quote, purchase coverage, and download your COI — all without talking to an agent. It’s fast, simple, and built for busy professionals like you.
If you’re still weighing your options, we’ve put together a list of the best insurance providers for pressure washers to help you compare.
How Do I Get a Certificate of Insurance (COI) for Pressure Washing?
You get a COI for pressure washing as soon as you purchase a policy. When you buy coverage through Insurance Canopy, you can download your COI instantly and show it to clients, vendors, or licensing agencies. Need to update names or add a client as an additional insured? You can do that right from your account.
Does Pressure Washing Insurance Cover My Equipment?
No, most basic pressure washing insurance policies do not cover your equipment. General liability insurance is designed to protect against third-party claims like property damage or bodily injury, not damage to your own gear. If you want to protect your pressure washer, trailer, or other tools, consider adding tools and equipment insurance.
