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.
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.
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.
| Bond Option | Annual Cost |
|---|---|
|
$5,000 Bond |
$131 |
|
$10,000 Bond |
$175 |
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:
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
Other Cleaning Professions We Insure
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.
- Get insured in minutes with our streamlined application
- Download proof of insurance straight to your device
- Add additional insureds anytime right from your dashboard
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.
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.
