Pressure Washing Contractor Insurance
As a pressure washing contractor, you face unique risks on every job, from cracked windows to customer injuries. One accident could lead to costly claims that threaten your business’s financial stability. Executive Choice Insurance offers customized pressure washing insurance that safeguards your equipment, team, and reputation, allowing you to concentrate on expanding your business with confidence.
Why Insurance Matters for Pressure Washing Contractors
Pressure washing involves heavy-duty equipment, high-pressure hoses, and slippery surfaces, all of which increase your liability on the job. Without proper insurance, even a small mistake can become a major financial setback.
Here’s why having the right coverage matters:
- Protect Against Accidents: Covers third-party injuries or property damage caused during a job.
- Meet Client Requirements: Many commercial clients require proof of insurance before hiring.
- Secure Your Livelihood: Avoid out-of-pocket legal or medical expenses that could halt operations.
- Build Trust: Insurance demonstrates to clients that you are a professional and reliable individual.
Essential Coverages for Pressure Washing Businesses
Every pressure washing business is different. Whether you’re a solo operator or manage a growing crew, we’ll help you build a policy that fits your needs.
General Liability
Insurance
This is your foundational coverage. It protects your business from third-party claims for bodily injury or property damage, like broken windows, water damage, or trip-and-fall incidents. Most clients require proof of general liability before you can start a job.
Tools and Equipment Coverage
Your pressure washing gear, including surface cleaners, hoses, reels, and water tanks, is essential to your work. Tools and Equipment Insurance (also known as Inland Marine coverage) protects these valuable assets against theft, damage, or loss, even when in transit between job sites.
Workers' Compensation Insurance
If you have employees, this coverage is typically required by law in most states. Workers' comp pays for medical expenses and lost wages if a team member is injured on the job. Even solo contractors can benefit, as some personal health insurance policies do not cover work-related injuries or illnesses.
Contractor
Bonds
Optional but powerful for client trust, contractor bonds such as janitorial or fidelity bonds protect your customers from losses due to employee dishonesty. If your team is working on or around private property, a bond adds another layer of professionalism and protection.
How Much Does Pressure Washing Insurance Cost?
Insurance for pressure washing businesses is generally affordable, especially compared to the cost of an accident or lawsuit. Basic liability coverage for a solo contractor can start as low as $40 to $80 per month.
Your rate depends on several factors:
- Business size and annual revenue
- Type of services (residential, commercial, or industrial)
- Location and local risk factors
- Number of employees and vehicles
- Coverage limits and deductible amounts
- Claims history
- Eligibility for discounts (bundled coverage, safe operations, etc.)
At Executive Choice Insurance, we shop across top-rated carriers to find the best deal for your specific needs without sacrificing coverage.
Get Your Certificate of Insurance Fast
Do you need to provide proof of insurance for a new client or contract? We’ve got you covered.
Executive Choice offers same-day turnaround for Certificates of Insurance (COIs). We’ll quickly list your client or general contractor as an additional insured, allowing you to stay compliant and keep the job moving forward.
Our team also helps you stay up-to-date with local and state insurance requirements and permits, particularly for commercial jobs and runoff management compliance.
Why Choose Executive Choice Insurance for Your Pressure Washing Business
When you partner with Executive Choice, you’re not just buying insurance. You’re gaining a trusted advisor dedicated to helping your business succeed.
Industry Expertise
We specialize in contractor insurance, including pressure washing and exterior cleaning services.
Tailored
Policies
One-size-fits-all doesn’t cut it. We build coverage that fits your operations and budget.
Competitive Pricing
We compare quotes from multiple top-rated insurers to get you the best value.
Fast, Friendly Service
Need help with a COI or policy adjustment? We respond quickly, often within minutes.
Peace
of Mind
With the right insurance in place, you can take on bigger jobs without fear of costly claims
FAQs About Pressure Washing Contractor Insurance
At a minimum, general liability coverage. If you have employees, you will need workers’ compensation. You should also consider commercial auto and tools & equipment coverage.
General liability isn’t legally required everywhere but is often needed to win jobs. Workers’ comp is mandatory in most states if you have employees. Local regulations may also require specific coverage.
A solo contractor might pay $500 to $1,000 per year for basic coverage. Businesses with employees, multiple vehicles, or higher coverage limits will incur higher premiums. We’ll help you find the right fit for your budget.
Yes. We offer flexible policies for seasonal or part-time contractors. Accidents can happen at any time, so coverage is always a smart move.
In most cases, same-day, often within minutes. Just request it through our client portal or give us a call.
Request a Free Pressure Washing Contractor Insurance Quote Today
Protecting your pressure washing business isn’t just smart; it’s essential. At Executive Choice Insurance, we specialize in providing tailored insurance solutions that shield your business from unexpected risks, allowing you to focus on what you do best.
Whether you’re just starting or scaling up, our fast and free quotes are designed with your unique operations in mind. Let us help you “power-wash” away the stress of potential claims with comprehensive coverage that grows with your business.
Safeguard your livelihood.
Gain peace of mind.
Grow with confidence.
Contact Executive Choice Insurance today and empower your business with the right protection. When you’re covered, you’re unstoppable.
Coverage availability, limits, costs, and legal requirements may vary by state, industry, insurer, and project type. This content is for informational purposes only and does not constitute legal or insurance advice. Please consult with Executive Choice Insurance to discuss your specific business needs and receive tailored guidance.