Pressure Washing Insurance: What Coverage Do You Actually Need?
Protect your business with the right insurance. Learn about general liability, equipment coverage, and what to look for in a policy.
Insurance might not be exciting, but one bad job without coverage can bankrupt your business. This guide breaks down exactly what insurance you need as a pressure washing business owner.
The Three Types of Insurance You Need
1. General Liability Insurance
This is the most important coverage. It protects you if you damage a customer's property or someone gets injured on a job site.
- Minimum coverage: $1 million per occurrence
- Typical cost: $500 to $1,500 per year
- What it covers: Property damage, bodily injury, legal fees
2. Commercial Auto Insurance
If you use a vehicle for business (even your personal truck), you need commercial auto coverage. Personal auto policies do not cover business use.
3. Equipment/Inland Marine Insurance
Covers your pressure washer, trailer, hoses, and other equipment if they are stolen or damaged.
How Much Does Insurance Cost?
For a solo operator, expect to pay $1,500 to $3,000 per year for a comprehensive policy that includes general liability, commercial auto, and equipment coverage.
Where to Get Insurance
Look for insurers who specialize in contractor coverage:
- Next Insurance (fast online quotes)
- Thimble (on-demand coverage)
- Local independent agents
- PWNA member discounts
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