Best Pressure and Power Washing Insurance

Pressure and power washing are highly effective methods for cleaning dirty surfaces. Your equipment includes everything from nozzles to the pressure washers themselves, and you might use various cleaning chemicals to get rid of grime, mold, and graffiti. As carefully as you choose everything your company needs for the professional pressure washing services you provide, it’s important that you choose the right insurance coverage.

Power washing involves tools that can cause serious injuries and damage if not wielded safely or if something goes wrong. Water blasters, hydro cleaners, and chemical solvents are all incredibly powerful ways to get a cleaning job done — unfortunately, this power poses a risk to property and people alike. Flooring might get damaged or discolored, clients might get accidentally sprayed, and other accidents can occur while your power washers are on the clock.

If you run a power washing business, you’re probably worried about an angry client filing a lawsuit against you for injuries. Liability claims can easily cost businesses thousands of dollars, and they are difficult to predict because you never know when an incident may occur.

That’s where business insurance comes in: to provide you with the protection you need. It’s important to get the best pressure washing insurance for your needs so that your business and workers can be adequately protected in case of an incident.

Power washing insurance will help you financially in cases where:

You get sued
You accidentally damage property while pressure washing
You’re worried about paying out of pocket and being unable to afford the expenses in case of a claim against you
Debris causes damage or injury as it flies off during cleaning
Chemicals end up killing garden plants and flowers

Having a good insurance policy could also help you win more jobs. Not only does insurance give you and your workers peace of mind, but many people looking for power washing services are also more comfortable hiring those who can show proof of insurance. These are just a few benefits of buying pressure and power washing insurance.

The question is, how can you make sure that you’re buying insurance you actually need? What factors should you consider when you’re looking to purchase a power washing insurance policy for you or your business?

Here’s what you should know about the best pressure washing insurance.

What are the best power washing insurances?

If you’re looking for the best power washing insurance, you need to be informed of the most competitive options in the United States.

Here are some of the top pressure washing insurance companies out in the industry right now.

CoverWallet

Struggling with the insurance shopping process is ubiquitous. It can be tough to compare power washing quotes efficiently. CoverWallet is one of the most convenient insurance companies to buy from because they make the quoting process relatively smooth and painless. Through CoverWallet, you can buy insurance online.

The average cost of CoverWallet is around $45 per month, which amounts to roughly $540 a year. The convenience of being able to compare policy quotes online is not to be understated, and the cost is fairly affordable compared to more expensive options.

CoverWallet has a state of the art platform that it developed using its own special algorithms, making the quoting process very easy and convenient. If you want quotes for your needs within ten minutes, CoverWallet saves you time. It’s also fairly easy to buy the insurance policy you want after you’ve gotten a quote, and you can manage or renew your policy online easily as well.

NEXT Insurance

If you want fast general liability insurance for pressure washing businesses, NEXT Insurance is arguably the best option. NEXT can generate quotes quickly, while letting you buy insurance products, file claims, or get certificates of insurance (COI) with ease.

It’s often considered a great insurance company due to its affordability and coverage, and it’s essentially the best online insurance experience out there for pressure washing businesses. It even lets you preview certificates of insurance to see what you’re getting yourself into.

With NEXT, you can expect to pay around $40 as a monthly premium for your power washing business. This means you’d pay roughly $480 a year as the annual premium.

NEXT insurance even has equipment breakdown floater coverage of $2,500 to $5,000, which many other insurance companies exclude from their policies.

Another benefit of getting insurance from NEXT is that you can typically expect fast claims decisions – this insurance company is well known for being able to make decisions in under 48 hours. This fast claims process has convinced many businesses that NEXT offers the best insurance out there.

With a solid 4.7 rating, NEXT is generally well liked even though it’s a new company. However, for those who are not fans of online insurers, it’s good to be aware that NEXT is an online insurance company. While they do offer lines over the phone, they focus on being the best online insurance experience – not in person.

Hiscox Insurance

Some businesses in the pressure washing industry know that they only need general liability insurance in the short run. If this sounds like your situation, you might want to consider checking out Hiscox Insurance.

Hiscox Insurance is a good way to buy short term general liability insurance for commercial power washing purposes. While the cost per month of this kind of insurance is more expensive, it’s a convenient and perhaps essential way to get power washing insurance when you really need it. The average cost per month is around $50, or $600 per year.

In addition, Hiscox offers assistance in tailoring insurance policies for individual businesses’ needs and challenges.

Thimble Insurance

Do you need global or international coverage for your pressure washing business? Thimble Insurance is considered one of, if not the best insurance provider for worldwide general liability insurance for pressure washing businesses.

Thimble’s monthly premium is around $52 per month, or $624 a year. While it is relatively more expensive than some of the other power washing insurance companies out there, if you need the kind of coverage Thimble Insurance offers, you might consider it a good deal in the long run.

Thimble is also considered fantastic by many startups for its scalable coverage and ease of pausing and canceling coverage at any time. This impressive transparency and lack of hidden fees has made it a favorite of numerous seasonal power washing businesses that might need to pause unpredictably or frequently and resume only when the coverage is necessary.

Tivly Insurance

Some insurance shoppers are more interested in comparing insurance quotes over the phone. If this sounds like something you’re interested in, Tivly Insurance offers this service. At a premium rate of $48 per month or $576 per year, Tivly is more expensive than CoverWallet and NEXT, but may be more convenient for you if you prefer talking on the phone over getting online quotes.

biBERK Insurance

If you’re a small pressure washing insurance looking for affordable small business insurance, biBERK might be a good call to consider. biBERK’s small business insurance works by finding you more specific coverage, rather than giving you a one-size-fits-all deal. biBERK Insurance can also help you scale your needs as your business grows over time, making it potentially a great option for growing businesses in need of general liability insurance.

biBERK is known for providing low cost insurance that still offers adequate financial protection. It may be able to lower your insurance premium by up to 20% in part because of the way it can insure small businesses directly (without any brokers acting as middlemen).

Do businesses need pressure washing insurance?

If you’re running a business and offering professional pressure washing services, there is likely a bunch of insurance coverage that you need to get in order to operate safely.

Pressure washing insurance that includes general liability insurance is critical to the proper operation of a pressure washing company. You’d generally need it for the following reasons:

Clients and/or states require you to have proof of insurance before allowing you to begin on power washing projects
General liability and workers’ compensation are essential to prevent devastating claims and expenses
Many states require that you have the proper insurance before hiring new employees

If a client sues you for injuries, professional negligence, or files other kinds of claims against you, there are legal expenses and potential judgment costs you might need to pay. When it comes to liability, a business can end up owing hundreds of thousands of dollars to a client due to the injuries and damages.

In order to make sure that your business stays afloat and can handle claims against you, it’s crucial to have at least general liability insurance for your company. Other than general liability insurance, you might also want insurance coverage for your equipment, worker safety, property, and more.

Talking with an insurance agent or broker can help you figure out what insurance coverage is optimal for your needs. General liability insurance policies often cover up to $1,000,000 in liability. Assess your business risks and see whether that is enough coverage.

What pressure washing insurance coverage do you need?

Power washing insurance is essential if you’re running a power and pressure washing service business. Insurance coverage and prices vary case by case, but you’ll likely want to have a variety of insurance coverage so that your pressure washing business can operate safely and with financial peace of mind.

Pressure washing businesses might want to have:

General liability insurance
Errors and omissions insurance
Workers’ compensation
Tools and equipment coverage
Commercial property and vehicle coverage

It is also a good idea to know what an insurance policy for pressure washing looks like in general. Pressure washing insurance typically covers:

Slips and falls
Injuries sustained from power washing tools
Up to $1,000,000 general liability insurance coverage
Broken windows and floors
Medical expenses
Legal fees
Legal judgments
Vehicles getting damaged due to pressure washer power
Other kinds of damages or injuries that have occurred as a result of the pressure washer

How much does power washing insurance cost?

Many factors go into how much the insurance premium for your pressure washing company will cost. They include:

What projects you intend to work on
Your location
Employee payroll & level of risks while power washing
Value of equipment and property
How much liability insurance you need (is $500,000 in coverage enough or do you want more than a million for good measure?)

You can generally expect to pay $40 to $55 a month for basic pressure washing insurance.

Final thoughts: what is the best pressure washing insurance?

The overall best pressure washing insurance company is likely NEXT insurance. It offers competitive rates, an easy online insurance shopping and claims experience, and gives you the coverage that you need for professional power washing.

At the end of the day, it’s important to explore your insurance options and find the insurer that suits your particular needs the best. Power washing insurance is essential for businesses that offer professional pressure washing for clients. It’s recommended to get enough general liability insurance and workers’ compensation so that you can have enough financial protection in case there is a claim you need to pay.