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. You've chosen everything your company needs for the professional pressure washing services you provide, and you need to give the same consideration to finding 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 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 cost businesses thousands of dollars, and they're difficult to predict because you never know when an incident may occur.

Business insurance provides the protection you need. Getting the best pressure washing insurance for your needs is important, so your business and workers are 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 if someone makes 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 you're buying the insurance you need? There are many factors to consider when you're looking for a power washing insurance policy to protect 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'll want to look at the most competitive options in the United States.

Here are some of the industry's top pressure washing insurance companies.

CoverWallet

The insurance shopping process can be daunting, and comparing power washing quotes can be challenging. CoverWallet is one of the most convenient insurance companies to buy from because it makes the quoting process smooth and painless and allows its customers to buy insurance online.

General liability insurance through CoverWallet starts at around $39 per month. However, the cost can vary widely, depending on the size of your business and the type of insurance you purchase. The convenience of comparing policy quotes online shouldn't be understated, and the cost is affordable compared to other options.

CoverWallet's state-of-the-art platform, developed using its own special algorithms, makes the quoting process easy and convenient. If you want quotes within 10 minutes, CoverWallet has you covered. It's also easy to buy the insurance policy you want after you've received a quote, and you can manage or renew your policy online easily.

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 and allows you to 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 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 per month, or $480 per year, for basic general liability insurance for a small business.

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 expect fast claims decisions, with most claims processed in under 48 hours. This fast claims process has convinced many businesses that NEXT offers the best insurance out there.

NEXT has a solid 4.7 overall customer experience rating, meaning NEXT is well-liked, even though it's a new company. However, for those who aren't fans of online insurers, it's good to be aware that NEXT is an online insurance company. While it offers quotes over the phone, it focuses on being the best online insurance experience—not in person.

Hiscox Insurance

In some regions, pressure washing may be a seasonal business, so companies in those areas likely only need short-term insurance. If you only need insurance coverage for a short duration, you might want to consider Hiscox Insurance.

Hiscox Insurance is a good option for buying short-term general liability insurance for commercial power washing purposes. While the average cost for this kind of insurance is more expensive at $50 per month, or $600 per year, it's a convenient way to get power washing insurance when you really need it.

Hiscox also offers assistance in tailoring insurance policies for individual businesses' needs and challenges.

Thimble Insurance

Many startups consider Thimble fantastic for its scalable coverage and ease of pausing and canceling coverage at any time. This impressive transparency and lack of hidden fees have 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.

Thimble's monthly premium is around $52, which equates to $624 per year. While this is more expensive than some of the other power washing insurance options, if you need the kind of coverage Thimble Insurance offers, you might consider it a good deal in the long run.

Tivly Insurance

Some insurance shoppers are more interested in comparing insurance quotes over the phone, and Tivly Insurance offers this service. At a premium rate of $46 per month, or $576 per year, for general liability insurance, Tivly is more expensive than CoverWallet and NEXT but may be more convenient if you prefer talking on the phone over getting online quotes.

biBERK Insurance

If you're a small pressure washing company looking for affordable small business insurance, consider biBERK, which is a Berkshire Hathaway company. Its small business insurance offers more specific coverage, rather than a one-size-fits-all deal. The company can also help you scale your needs as your business grows over time, making it an excellent 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 percent, since it can insure small businesses directly, rather than having brokers act as middlemen.

Do businesses need pressure washing insurance?

If your business offers professional pressure washing services, you'll likely need a range of insurance coverage to operate safely.

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

Clients and/or states require 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 you to have the proper insurance before hiring new employees.

If a client sues you for injuries or professional negligence or files other claims against you, you may face legal expenses and judgment costs. When it comes to liability, a business can end up owing hundreds of thousands of dollars to a client as a result of injuries and damages.

To ensure your business stays afloat and can handle claims against you, it's crucial to have general liability insurance for your company. Besides 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 determine the optimal insurance coverage for your needs. General liability insurance policies often cover up to $1 million in liability. Assess your business risks and determine whether that's enough coverage.

What pressure washing insurance coverage do you need?

Power washing insurance is essential for a power and pressure washing service business. Insurance coverage and prices vary, but you'll likely want a range of coverage so your business can operate safely and with financial peace of mind.

Pressure washing businesses might want to have the following:

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

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

Slips and falls
Injuries sustained from power washing tools
Up to $1 million in general liability insurance coverage
Broken windows and floors
Medical expenses caused by power-washing-related injuries and accidents
Legal fees related to claims filed against the company (not standard, day-to-day business-related legal fees)
Legal judgments regarding claims filed against your company
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 and 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?)
The deductible you choose

You can expect to pay $40 to $55 per 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 and an easy online insurance shopping and claims experience—and it gives you the coverage you need for professional power washing.

It's important to explore your insurance options and find the insurer that best suits your particular needs. Power washing insurance is essential for businesses that offer professional pressure washing services. It's recommended to get enough general liability insurance and workers' compensation, so you can have enough financial protection in case someone files a claim against your company.