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.
SprayFlow Team
Business Growth Editor
Small business consultant with a focus on field service companies. Helps crews scale from solo operators to multi-truck businesses. MBA from Michigan State.
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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