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Pressure Washing Insurance Cost

Dive into the details of pressure washing insurance costs, coverage options, and how you can find affordable,
comprehensive protection with Insurance Canopy.

How Much Does Insurance Cost for a
Pressure Washing Business?

Pressure washing insurance costs as low as $39 per month with Insurance Canopy. You can also choose annual billing and save even more — up to 12% off!

Most pressure washing businesses pay around $75 per month or $895 per year. That means you could pay nearly half the industry average while getting reliable, professional coverage designed for pressure washing businesses.

Graph of the National average cost for Pressure washing

Essential Pressure Washing Insurance and
Cost Breakdown

Protecting your business starts with the right coverage. Here’s a closer look at the most popular pressure washing coverages and how much they cost.

Coverage Our Average Price Industry Average
General Liability Insurance
$679.92 / year for single-person businesses
$884.81 / year for single-person businesses
Tools and Equipment Insurance
$51.64 / year
$384.41 / year
Workers Compensation
$1,141.86 / year
$1,627 / year
Commercial Auto Insurance
Rates vary
$1,588 per vehicle / year
Janitorial Bonds
Rates vary
$126 / year
Additional Insureds
$10 / year / AI
$25 / month
Cyber Liability Insurance
$99 / year
$1,740 / year

**based on the average cost of policies for cleaning insurance bought with Insurance Canopy.

graph of the monthly cost of for pressure washing

General Liability Insurance

One misstep with your hose or a blast of water in the wrong spot can cause serious damage or injury. General liability insurance covers the cost of pricey third-party property damage, bodily injury, or legal claims tied to your work.

Coverage Lowest Annual & Monthly Cost
$500K Per Incident / $1M Per Year
$435 / $38.33
$1M Per Incident / $2M Per Year
$470 / $41.67

Tools and Equipment Insurance

Your pressure washing gear powers your business. If someone steals it from your truck or damages it on-site, tools and equipment insurance helps you bounce back fast. It covers your surface cleaners, hoses, reels, and power washers, whether you’re on the road, at a job, or storing it overnight.

Limits (Occurrence / Aggregate) Premium per month Premium per month Deductible
$1,000 / $3,000
$3.33
$40
$250
$2,000 / $6,000
$4.58
$55
$5,000 / $10,000
$5.00
$60

Limits (Occurrence / Aggregate):
$1,000 / $3,000

Premium per month: $3.33

Premium per year: $40

Deductible: $250

Limits (Occurrence / Aggregate):
$2,000 / $6,000

Premium per month: $4.58

Premium per year: $55

Deductible:

Limits (Occurrence / Aggregate):
$5,000 / $10,000

Premium per month: $5.00

Premium per year: $60

Deductible:

Commercial Auto

Commercial auto insurance protects you while you’re on the road. It covers company-owned vehicles used for business purposes (transporting water tanks, surface cleaners, and heavy-duty washers) in case of accidents, damage, or theft.

So, whether you operate a single van or manage a small fleet, this policy keeps your business moving forward without a financial detour.

Keep in mind: Most personal auto policies exclude business use. If you get in an accident while heading to a pressure washing job, your personal insurance won’t cover it.

Janitorial Bonds

A janitorial bond helps you build trust with your clients by protecting them against employee theft. It acts as a guarantee: if one of your workers steals from a job site, your client can file a claim to recover the loss.

Unlike traditional insurance, a surety bond pays your client directly with no deductible. After the payout, you reimburse the bond company.

Find out how to get your business bonded and insured.

Bond Option Annual Cost
$5,000 Bond
$131
$10,000 Bond
$175
Illustration of insurance policy clipboard; Horizontal
Illustration of insurance policy clipboard; Vertical

Additional Insureds

Pressure washing professionals often work on commercial properties, rentals, and job sites where contracts require you to list the client as an additional insured. When you do, your general liability policy extends to them, so if something goes wrong, your insurance can protect both of you.

For instance, you pressure wash the sidewalk in front of a retail store. A customer walks through too soon, slips, and gets injured. They sue you and the store. Since you added the store as an additional insured, your policy covers their legal defense.

Price per additional insured: $10/year

Workers Compensation

If someone on your crew gets hurt lifting gear or slips during a job, workers compensation insurance covers their medical bills, lost wages, and recovery time. You stay compliant, and your team stays protected.

Note: Each state sets its own workers comp requirements, so your coverage and pricing will vary based on where you operate and how many people you employ.

Annual premium: $1,141.86

Because workers compensation laws differ from state to state, your coverage limit depends on your state’s specific statutory requirements. 

Employers’ Liability Coverage Limits

The maximum coverage for damages resulting from bodily injury by disease for any number of employees.

$1,000,000 Policy Limit

The maximum coverage for bodily injury to one or more employees in any one accident.

$1,000,000 Each Accident

The maximum coverage for damages resulting from bodily injury by disease for any number of employees.

$1,000,000 Each Employee

Cyber Liability Insurance

If you collect customer info, book jobs online, or take digital payments, you’re at risk of a data breach. Cyber liability insurance expenses related to cybercrime, including:

  • Data breach notification costs
  • Customer data loss
  • Ransomware and cyber extortion
  • Legal fees
  • Business interruption fees
Monthly Premium
$8.25
Annual Premium
$99.00
Coverage
$100,000 Cyber Coverage Limit including $50,000 in E-Theft Coverage

Factors Affecting Your Power Washing Insurance Costs

Your final pressure washing insurance costs depend on several factors, including:

Image of a girl thinking with white frame in the background

Business size

Solo operators typically pay less than businesses with employees

Location

State laws and local risks influence pricing

Coverage Limits

Higher limits mean higher premiums but more protection

Claims History

A clean record often qualifies you for lower rates

Equipment value

The more gear you cover, the more it may cost

Type of services offered

High-risk jobs may come with a higher premium

Note: Insurance Canopy only covers pressure washing performed from the ground level.

Tips for Saving on Pressure Washing Business Insurance

Trimming your pressure washing insurance cost doesn’t mean skimping on protection. With a few smart moves, you can keep your pressure washing business covered without stretching your budget. Try these cost-saving strategies:

Pay annually

Get up to 12% off your premium by choosing annual billing instead of monthly payments

Avoid claims

Safe job site habits, employee training, and regular maintenance reduce incidents and help you stay in a low-risk pricing tier

Choose the right limits

Match your coverage limits to the actual risks you face on a day-to-day basis

Review every year

Update your policy based on how your business has changed — downsizing, upgrading equipment, or shifting service areas can affect your rate

Work with a specialized insurer

Insurance Canopy knows pressure washing inside and out, so you’ll only pay for the coverage you need, not bloated packages designed for other industries

Image of a girl looking at her phone happy

Wash Away Worries With Affordable Pressure Washing Insurance

You’re out there removing grime, blasting mold, and restoring surfaces — and you deserve insurance that works just as hard. Insurance Canopy makes it fast and easy to get the coverage your pressure washing business needs.

Picture of <span style="font-weight: 600;font-family: open sans;font-size:14px">Author:</span><br>Allison Kirschbaum | Copywriter
Author:
Allison Kirschbaum | Copywriter

Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.

Digital Content Specialist, Allison Kirschbaum leverages her experience in providing in-depth content such as blogs, whitepapers, and downloadables about insurance, liability, and the challenges small businesses face every day. Before working at Veracity, Allison freelanced her copywriting skills, including optimizing rankings and generating leads across various sectors. She is now fully trained on Insurance Canopy’s products and helps small business owners navigate their insurance needs.

Picture of <span style="font-weight: 600;font-family: open sans;font-size:14px">Reviewed By:</span><br>Kyle Jude | Program Manager
Reviewed By:
Kyle Jude | Program Manager

Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.

Kyle Jude is the Program Manager for Insurance Canopy. As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for small business owners who are looking to navigate business liability insurance.