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Pressure Washing Business Insurance
Protect your pressure washing businesses with specialized policy coverage
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Create a customized policy for your pressure washing business
Protect your team, equipment, and reputation with pressure washing business insurance. Running a pressure washing company means handling powerful tools, working in unpredictable environments, and meeting high customer expectations.
Whether you're cleaning residential driveways or commercial buildings, every job comes with risks. With the right coverage you can be prepared for whatever comes your way.
What is pressure washer business insurance?
Insurance for pressure washing businesses is customized business insurance to give your company the protection it needs most. It can cover property damage claims, worker injuries, equipment breakdowns, company vehicles, and more.
Our insurance experts can help you get a policy tailored to your needs. Call the Progressive Commercial team or start an online quote today.
Why you need pressure washing business insurance
Insurance is an important safeguard against the unexpected. In any business, accidents can happen, but they can be especially risky when using powerful equipment like pressure washers.
For example, if a malfunctioning sprayer damages the siding on a customer's house, your insurance can pay to repair and repaint, minimizing your out-of-pocket costs.
Who needs business insurance for pressure washing?
Pressure washing business insurance isn't just for full-time contractors. It's also important for industries that use high-powered cleaning equipment in their work. Many types of jobs and professions can benefit from pressure washing insurance coverage, such as:
- Car dealerships
- Car washes
- Factories
- Farms
- Industrial cleaners
- Property management companies
Whether you're a sole proprietor with a single washer, an LLC with a regional crew, or a new business just getting started, a customized policy through Progressive Commercial can give you the protection you need at a competitive price.
Types of insurance for a pressure washing business
Your coverage needs depend on the size of your business, the equipment you use, where you work, and other factors. Explore common types of insurance for a pressure washing company to see how you can personalize your policy.
General liability (GL)
At a minimum, pressure washing business insurance should include general liability, which protects you if you accidentally injure someone or cause property damage with your equipment. Learn more about the benefits of GL coverage and how much liability insurance costs.
Example: Your equipment malfunctions, damaging paint on a customer's house. General liability insurance can pay for repairs, so you don't have to.
Business owners policy (BOP)
Business owner policies are popular because they combine liability protection with commercial property insurance, which covers tools, buildings, and other business property. A BOP is also flexible. You can add optional BOP coverages to customize your policy with the protection you need most.
Example: The building where your office is located is vandalized, damaging your storefront. Commercial property coverage can pay for repairs or cleanup to restore your space.
Workers' compensation
Workers' comp covers your staff's job-related injuries and illnesses. This insurance can also guard employers in case of lawsuits related to these types of accidents. The cost of workers' comp depends on things like how many employees you have. Depending on where you live, it might be required. Review state workers' comp regulations to see if you need it.
Example: An employee injures themselves while setting up equipment before a job. Workers' comp can cover their medical bills and pay for a portion of lost wages if they have to miss work while they recover.
Equipment breakdown
Equipment breakdown is an optional coverage for your BOP that protects the gear you need to run your business. It can even cover lost income if you can't operate while your equipment is being repaired.
Example: Your sprayers stop working unexpectedly and you're forced to cancel appointments during repairs. Equipment breakdown coverage could pay to fix the sprayer and compensate you for your lost earnings.
Tools and equipment
You can add tools and equipment coverage to a BOP or general liability policy. It covers your tools and equipment if they're stolen, vandalized, or accidentally damaged while being stored or moved.
Example: You drive to a jobsite and start working. On your lunch break, someone steals valuable equipment from your van. This coverage could pay to replace the lost gear.
Commercial auto
If you use a company vehicle to go to job sites, you probably need commercial auto insurance. In most cases, states mandate minimum coverage for business vehicles. Learn more about commercial auto coverage.
Example: On the way to a job, you're involved in a crash with another car. Commercial auto can cover the other driver's damage. With the right options, like physical damage protection, it can also pay to repair your vehicle.
Insurance for a pressure washing business can help you win jobs
Having the right insurance isn't just about protection, it's also about reputation. Commercial clients and property managers may require a certificate of insurance (COI) to prove you have coverage. Progressive Commercial customers have easy access to COIs, so you're prepared for every job that comes your way.
How much does pressure washing business insurance cost?
Pressure washing business insurance costs are based on several factors. Bigger businesses with more workers and higher risk typically pay higher premiums than smaller operations. When determining your business insurance rate, insurers consider the following:
- Time in business
- Claims history
- Number of employees
- Coverages and limits
- Driving history for commercial auto
- Make and model of business vehicles
How to get insurance for a pressure washing business through Progressive Commercial
Progressive Commercial has been a trusted partner of small businesses for more than 50 years. When you choose us, you get expert support, help finding a custom policy that reflects your individual needs, and specialty protections that let you focus on satisfying your customers.
Contact our business insurance experts or start a quote online to see how Progressive Commercial can help your growing company thrive.
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