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Best Pressure Washing Insurance of 2022

Bryan Keith

Pressure washers are dangerous tools and regardless of the safety precautions you may take, an accident can happen sooner or later. Pressure washing insurance can cover you for liabilities. We’ve evaluated the best pressure washing insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Offers a range of insurance poilicies

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Simply Business provides insurance policies for a range of professions and small businesses.

What we like

  • Various business insurance policies
  • Quotes from multiple providers
  • Fast and easy application
  • Strong customer satisfaction

What we don't

  • Policies are a through a third party
  • Claims must be filed through insurance provider

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

eCommerce-only insurance solution

$2,000,000

Coverage Up To

$0 - $5,000

Deductibles

Overview

Spott will ensure that your policy coverage is tailored to your business while complying with Amazon’s Terms and Conditions. They also track changes to Amazon’s Terms and Conditions to identify potential issues with listings before a suspension.

What we like

  • Tailored eCommerce insurance
  • Liability insurance for Amazon sellers
  • Store Suspension coverage
  • Compares leading insurance carriers
  • Flexible coverage options and payment plans
  • Knowledgeable about Amazon’s rules and policies

What we don't

  • Limited physical offices

What is pressure washing insurance?

Although it seems like a simple task moving the pressure washing wand back and forth to clean, it can also carry a substantial risk of both bodily injury and property damage. Pressure washing insurance can help mitigate your risk by protecting your business, employees, and assets from financial burdens you would otherwise be paying for out of pocket.

Who needs pressure washing insurance?

Any business that incorporates a pressure washer as a regular activity would benefit from pressure washer insurance. These types of businesses can include (but are not limited to):

  • Pressure washing services
  • Industrial cleaning services
  • General contractors

What insurance do pressure washing businesses need?

Looking for pressure washing insurance policies can be exhausting. You should consider the different types and select the one(s) that give you the best coverage for the pressure washing services you offer.

Common types of pressure washing insurance

General liability insurance

Also referred to as business liability insurance, general liability insurance protects your business from claims that may occur from bodily injury, personal injury, and property damage.

Commercial auto insurance

This type of business insurance protects the business’s vehicles when they are on the road in the event of an auto accident. It can help cover expenses for bodily injury and property damage.

Workers’ compensation insurance

Workers’ compensation insurance will cover the medical expenses, rehabilitation, and lost wages if an employee gets injured or sick while on the job. The employee is covered regardless of who is at fault.

Employer’s liability insurance

Unlike workers’ compensation insurance, employer’s liability insurance protects your business from employees that may file a lawsuit blaming your business for negligence that led to an injury. Coverage could include attorney fees, settlements, or court fees.

Commercial property insurance

This type of insurance covers any real estate owned by your business, equipment, and inventory. It is best for owners that rent or own physical locations.

Tools and equipment insurance

Protects your pressure washing gear regardless of where you store it. It can be in your vehicle, at a job site, or a storage unit. It covers your tools for theft or damage.

Commercial umbrella policy

To further protect your business, you can take out an umbrella policy that can cover any expenses that exhaust another policy’s limits.

Care, custody, and control or faulty workmanship coverage may be excluded from coverage in your policy and will need to be purchased as additional coverage. Be sure to read all of the exclusions.

What are the limits of pressure washing insurance?

The limits for your pressure washing business depend on the types of coverage you need. General liability coverages can range from between $1,000,000 to $5,000,000. For equipment coverage, you could be looking at limits of between $1,000 to $5,000. The limits you choose will need to match your potential financial obligation based on the unique needs of your business.

For a one person operation with decent equipment and tools, a lower policy would probably be sufficient. If you own a company with a few different teams of employees who go to job sites, you may want to consider looking at a policy with higher limits.

The same logic applies to the type of power washing your business does. If you stay within the bounds of driveway, pavement, or generally staying on the ground, a lower limit may be sufficient. If you take more dangerous jobs like power washing roofs and gutters, a higher limit may be required.

How much does pressure washing insurance cost?

There are different factors that can affect how much pressure washing insurance costs. These factors can include (but are not limited to):

  • Cleaning services offered
  • Tools and vehicles used by the business
  • Area you conduct your business
  • Size of your business (employee number)

Grouping policies together with the same insurance provider can help save money through discounts.

  • General liability insurance: Pressure washing businesses can expect to pay $103 per month for insurance with prices increasing depending on previously mentioned factors.
  • Commercial auto insurance: The median cost for a commercial auto insurance policy with a limit of $1,000,000 is $142 per month. This can change based on the business size, types and quantity of vehicles owned, drivers insured, etc.
  • Workers’ compensation insurance: You can purchase worker’s compensation insurance for as low as $113 per month with prices increasing based on the size of the business and history of claims among other factors.
  • Employer’s liability insurance: This type of insurance is usually included in the workers’ compensation insurance policy and is covered by the premium.
  • Commercial property insurance: At $63 per month, the median for commercial property insurance is affordable for most power washing businesses and is worth considering this policy if renting or owning real estate.
  • Tools and equipment insurance: For as low as $14 per month, you can get your equipment and tools insured up to a $5,000 limit to protect them from damage or theft.
  • Commercial umbrella policy: To further protect your business, if a claim goes past your coverage, you can purchase a commercial umbrella policy for about $40 per month.

How to choose the best pressure washing insurance

Here are some useful guidelines to help you decide the best pressure washing insurance policy for you:

  • Risks: Make an assessment of the risks associated with your business and choose a policy that covers them adequately.
  • Customize: A provider should be able to customize their existing products to meet your needs. The provider gives you a few different options and lets you pick what will work best with your budget and requirements, versus trying to sell you the highest priced product
  • Customer feedback: Making sure the provider has an A rating with the Better Business Bureau. The BBB rates how satisfied the public is with large companies, so this score is a good measure on how to qualify a provider.