You’re power washing a client’s driveway. Everything’s going great until the hose snaps, sending the wand flying into a window. Crash. When the unexpected happens, insurance helps you keep your cool and keep your business running.
Let’s break down what pressure washing insurance actually covers so you can focus on what you do best: providing top-notch services to your clients and growing your business.
TL, DR:
- What’s included in pressure washing insurance
- The cost of insurance + optional add-ons to fit your business needs
- Claims scenarios (+ what they’d cost you without insurance)
- Common myths about insurance that leave pressure washers unprotected
The Real Reason You’re Here: You’re Worried Something Might Go Wrong
You’re not wrong, and you’re certainly right in the right place exploring coverage! Accidents on the job can be expensive, stressful, and unpredictable. And when water is flying at 3,000 PSI (pounds per square inch), even small mistakes can cause big problems.
You might be here because:
- You’ve heard horror stories about damage claims and lawsuits
- A job requires you to show proof of insurance
- You want to make sure your equipment and your work are covered
- You’re worried about injuring someone or damaging a client’s property
Getting pressure washing insurance isn’t just about checking a box. It’s about showing clients you’re a professional, earning their trust, and protecting your business when things get messy.
What’s Included in a Typical Pressure Washing Insurance Policy?
A standard policy for pressure washers often includes general liability insurance. It covers accidental damage to client property or third-party injuries (like if you crack a window or someone slips on a wet walkway).
Optional add-ons include:
- Tools and equipment coverage (aka inland marine): Helps repair or replace your gear if it’s stolen or damaged
- Janitorial bonds: Offers reimbursement (and protects your business reputation) if a customer accuses your team of theft
- Workers compensation: Covers medical bills and lost wages if an employee is hurt on the job
- Commercial auto insurance: Covers business-use vehicles in case of accidents, damage, or theft
- Cyber liability insurance: Helps cover legal, notification, and credit monitoring expenses if your business experiences a data breach or cyber attack
- Additional insureds: Lets you add property managers or landlords to your policy to meet contract requirements
What’s Not Covered?
Insurance helps with the unexpected, not the inevitable. Here’s what pressure washing policies typically don’t cover:
- Intentional damage: If you purposely damage something, it’s not covered
- Wear and tear: Normal equipment breakdown isn’t part of the plan
- Employee injuries: You’ll need workers compensation to cover that
Claims Scenarios
Here’s what coverage looks like in real-world situations:
| Claim Scenario | Coverage Type | Outcome With Insurance | Estimated Cost Without Insurance |
|---|---|---|---|
| You accidentally blast paint off a client’s siding | General liability | Policy pays for repairs | $1,500 to $5,000 out of pocket |
| Your trailer full of equipment is stolen overnight | Tools and equipment | Policy covers stolen gear | $10,000+ to replace equipment |
| A passerby slips on wet pavement during a job | General liability | Medical bills covered, no lawsuit needed | $2,000 to $20,000+ in medical and legal costs |
What Most People Get Wrong about Pressure Washing Coverage
Let’s clear up a few common misunderstandings so you’re informed about exactly what coverage you need to protect your business.
“My homeowner’s policy covers me if I work from my garage.”
That would be nice, but it doesn’t! Business work = the need for a business policy.
“I’m too small to get sued.”
We hear this a lot, but lawsuits aren’t picky. One bad accident can sink a small business, making coverage crucial for solo pressure washers and bigger teams.
“If I’m careful, I don’t need insurance.”
You could be the most careful person in the world, but accidents show up uninvited. Insurance is your safety net when the unexpected becomes reality.
Protect Your Pressure Washing Business With Insurance Canopy
We’ve built policies with pressure washing professionals in mind. Whether you’re just starting out or scaling up, we’ve got you covered:
- Instant coverage designed for pressure washers
- Monthly and annual plans that flex with your business
- Instant proof of insurance for clients or job bids
- Add-ons to protect your gear, trailers, and more
It takes two minutes to get a quote, and you’re covered as soon as you check out.
Common Questions About What Pressure Washing Insurance Covers
Pressure washing insurance can start as low as $39 per month, but your exact price depends on where you operate, the type of equipment you use, and the size or scope of your typical jobs.
If the damage happened during your covered period, your policy can still apply; just file a claim as soon as you’re notified.
JoAnne Hammer | Program Manager
JoAnne Hammer is the Program Manager for Insurance Canopy. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
JoAnne Hammer is the Program Manager for Insurance Canopy. She has held the prestigious Certified Insurance Counselor (CIC) designation since July 2004.
JoAnne understands that starting and operating a business takes a tremendous amount of time, dedication, and financial resources. She believes that insurance is the single best way to protect your investment, business, and personal assets.
