Pressure Washing Insurance for Small Business Owners and Contractors 
What types of insurance does a pressure washing business need?
Flexible Business Insurance for Pressure Washing Professionals
Pressure washing involves powerful equipment and working on various surfaces, where accidents can happen fast. With pressure washing insurance, you’re protected against property damage, equipment issues, and liability claims. Whether you’re just starting out or managing a growing team, insurance for your pressure washing business helps secure your work, reputation, and income.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Kind Of Pressure Washing Business Insurance Does Your Business Need?
If you run a lawn care business, having the right pressure washing insurance is essential to protecting your operations, employees, equipment, and reputation.
Here’s a breakdown of the key types of pressure washing business insurance:
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
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Commercial Auto – Covers accidents, injuries, and property damage involving company vehicle.
How Much Does Pressure Washing Insurance Cost?
Pressure washing insurance cost can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence pressure washing business insurance:
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Location
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Size of your operation
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Revenue
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Employee count
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Equipment value
- Claims History
The best way to find your pressure washing insurance cost is to get a free, online quote in minutes!
Why Insurance for Pressure Washing Business?
Insurance for pressure washing business provides essential protection by shielding your company from costly accidents and helping you build a trusted, professional reputation.
- Protect Your Business Assets: One major liability claim could lead to a costly lawsuit that threatens everything you’ve built. The right insurance helps protect your finances and keeps your lawn care business running smoothly.
- Meet Client Requirements: Many residential, commercial, and government clients won’t hire you without liability coverage. Having insurance ensures you can take on bigger jobs and more profitable contracts.
- Stand Out From the Competition: Being insured shows clients you’re serious, professional, and prepared, which helps you earn their trust and win more business.
- Protect Your Reputation: Showing that your business is insured gives clients confidence that you’re responsible and ready for anything, strengthening your reputation and credibility.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Pressure Washing Business Insurance Today!
Pressure washing business insurance is about more than just coverage , it’s about protecting your livelihood. With Gild, you get more than a policy. You get a partner who understands pressure washing business and provides the protection, tools, and support you need to stay secure and keep growing.
Frequently Asked Questions
Pressure washing involves high-powered equipment, chemicals, and working on client property. The core coverages include:
- General Liability – Protects against property damage, such as cracked siding, dented vehicles, or water damage caused during a job.
- Workers’ Compensation – Required in most states if you hire staff; covers injuries like slips, high-pressure spray accidents, or chemical burns.
- Commercial Auto Insurance – Covers trucks or vans used to transport power washers, tanks, and cleaning solutions.
- Equipment Coverage – Protects mobile equipment from theft, fire, or accidental damage in transit.
- Business Owner’s Policy (BOP) – Combines liability and property protection, often including business interruption coverage.
How much does pressure washing insurance cost on average?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Do pressure washing businesses need insurance to win contracts or get licensed?
Absolutely! Even if liability insurance is not mandated by state law, most commercial clients and municipalities require proof of coverage before awarding contracts. This is especially true for jobs on public property or large-scale projects.
- Licensing: Some jurisdictions require general liability or workers’ comp as part of a contractor license.
- Contracts: Property managers, HOAs, and government agencies often require certificates of insurance before hiring.
- Professionalism: Carrying insurance demonstrates responsibility and builds client trust.
Having coverage is not just protection. It is often the difference between landing high-value contracts and losing business opportunities.
Does pressure washing insurance cover key risks like property damage, equipment loss, or accidents?
Yes! With the right policies:
- General Liability covers client property damage or third-party injuries (like slips on wet surfaces).
- Workers’ Compensation covers employee injuries, which are common when handling high-pressure hoses or chemicals.
- Equipment Coverage protects your washers, tanks, and sprayers from theft or accidental damage.
- Commercial Auto extends protection if an accident occurs while transporting gear.
Because pressure washers operate in high-risk environments, insurance makes sure a single accident doesn’t shut down the business.
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