Pressure Washer Insurance Cost

On average, pressure washers can expect to pay about $103 per month for general liability insurance.

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Few things are more satisfying than watching stubborn dirt and stains disappear from homes, driveways and decks. Yet, if an accident occurs, your business may be financially responsible. That’s why you must factor Pressure Washing Insurance into your business budget. On average, Pressure Washing Insurance costs about $103 per month. Let’s polish the details.

How much does Pressure Washing Insurance cost?

The most significant variable that influences the cost of Pressure Washing Insurance is the type of policy you need. At a minimum, every pressure washing business needs general liability insurance.

Most pressure washers’ schedules are dependent on seasonality. With that in mind, paying for liability insurance annually isn’t ideal when you don’t work 365 days a year. Wouldn’t it be great to only pay for insurance when you’re on the clock? We agree! That’s why you can buy Pressure Washing Insurance by the job. Purchase coverage when you need it, whether it’s for a few hours, days, a week, or a month.

Here are the average costs of insurance for pressure washers with Thimble:

Hourly$27.53
Daily$121.18
Weekly$76.69
Monthly$103.00

General liability insurance protects you from the financial impact of damage to other people’s property, but not to your equipment. That’s why many pressure washers also choose to purchase equipment insurance, or what we call Business Equipment Protection.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

Quick thinking insurance for small businesses.

What factors influence Pressure Washer Insurance cost?

No two pressure washing businesses are the same. A large commercial pressure washing company will encounter different levels of risk compared to a solo driveway or deck cleaning operation. As a result, the costs for pressure washing business insurance will differ depending on a few key factors:

Business location

The location of your business can impact your insurance cost. For example, a more densely packed area tends to increase the risk of property damage or a bodily injury occurring.

Policy length

The amount of time you need coverage, whether for an hour, day, week or month, impacts your insurance premium.

Crew size

Whether you’re a solo operation or have employees can affect your premium. More employees mean increased opportunities for a power washing accident to occur.

Amount of coverage needed

Higher coverage limits will come at an increased cost. But by paying more upfront, you will have greater protection in the event of a claim. With Thimble, choose between a $1 million or $2 million liability coverage limit for pressure washers general liability coverage. And for equipment coverage, we provide coverage limits of $1,000 or $2,500 each with a $500 per loss deductible.

Coverage add-ons

It may make sense for your pressure washing business to add additional coverages to your policy. Business Equipment Protection, for example, can save you the out-of-pocket costs associated with replacing your equipment in the event of theft or loss — and it starts at just $6 per month.

What other types of insurance should pressure washing businesses have?

Coverage on all fronts is a good idea. In addition to Pressure Washer Business Insurance, consider:

commercial-auto-illustration

Commercial Auto Insurance

Commercial auto insurance is a policy that covers liability and physical damage for vehicles that are used as part of business operations and aren’t covered by private auto insurance. Commercial auto policies can provide liability coverage for third party property damage and bodily injury as well as collision coverage.

Hired & non-owned auto coverage

Hired & non-owned auto coverage

Liability coverage for personal autos or rental vehicles that your business uses for work but doesn’t own; available as an additional coverage to BOP.

Business Equipment Protection

Business Equipment Protection

Business Equipment Protection is a type of first-party insurance that covers business equipment that you own, rent or borrow and is used in connection with your business. (Other insurance companies for small businesses call it inland marine insurance, but we like to keep things clear and simple.)

Commercial Property Insurance

Commercial Property Insurance

Commercial property insurance covers costs as a result of direct physical loss or damage to a building or its contents in situations like a fire or windstorm. Even your accounts receivable can be protected by commercial property coverage.

What does Pressure Washer Insurance cover?

Thimble’s Pressure Washer Insurance makes for a powerful force of protection. Our general liability insurance for pressure washers helps cover everything from the investigation, defense and settlement for third-party claims relating to non-employee bodily injury, property damage, and personal and advertising injury.

For instance, you regularly pressure wash building facades. Should you accidentally break a window of a nearby parked car and spray water inside the vehicle, causing expensive water damage, you could be held responsible for the damages. In this case, general liability insurance could help cover the cost of the incident.

Thimble: taking the pressure out of pressure washing

A savvy pressure washing business owner makes sure that they purchase the right insurance coverage for their venture. If you’re ready to safeguard your business, then you’re in the right place.

Our insurance platform puts you in control. Thimble combines affordability with convenience to ensure that businesses can get the protection they need. It only takes 60 seconds to get covered. Just click “Get a Quote” or download the Thimble app, answer a few brief questions and receive your quote. Click to purchase, and receive your policy and Certificate of Insurance (COI) instantly.

Pressure Washer Insurance FAQs

Can I get pressure washer insurance for an hour, today?

Yes! Thimble offers Pressure Washer Insurance policies by the hour, job, month or year. We’ll help you get to work before the other guys even call you back.

Does Pressure Washer Insurance cover my employees if they get injured on the job?

No, it only covers claims that come from third parties, like customers. To cover your employees for work-related injuries and illnesses, you need workers’ comp insurance, which most states require if you have employees.

How can I prove I have insurance right away?

When you buy a policy with Thimble, we make it easy to access proof of insurance in just minutes. Just click “Get a Quote,” and answer a few questions. Once you purchase your policy, you’ll get your COI right away in your app and inbox. You can also access your COI from our mobile app.