Best Pressure Washing Business Insurance Companies:
Cost, Coverage & How to Choose
Pressure washing is hard work. Choosing insurance shouldn’t be. To make the process feel less messy, we researched the top providers, coverages, and prices to help you make the right decision.
Insurance Canopy stands out as the best insurance for pressure washing businesses due to its affordable, industry-specific coverage. Every business is unique, so we also reviewed other well-known providers to give you a clear, balanced comparison.
- Best overall: Insurance Canopy
- Digital-first coverage for businesses with employees: NEXT Insurance
- On-demand or seasonal coverage: Thimble
- Flexible payments for high-volume businesses: Hiscox
- Compare multiple quotes in one place: Simply Business
*Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
5 Best Pressure Washing Insurance Providers
Insurance Canopy
Starting Price*
$50.08/month (+$117.72 down payment, taxes, and setup fee) or $596.05/year
Coverages Included
General liability, damage to rented premises, medical expense, personal and advertising injury, products and completed operations
Optional Coverages
Increased liability limits, tools and equipment coverage, workers’ compensation, cyber liability, commercial auto, janitorial bonds, medical office cleaning coverage
Buy 100% Online?
✅
Coverage Limit
$500k per occurrence / $1 million aggregate)
NEXT Insurance
Starting Price*
$589.17/month (+$1.99 fee) or $7,070/year (+23.88 fee)
Coverages Included
General liability, damage to rented premises, medical expense, personal and advertising injury
Optional Coverages
Increased liability limits, umbrella liability, contractor’s errors & omissions coverage, employment-related practices liability, cyber liability, lost key coverage, care, custody & control, terrorism coverage
Buy 100% Online?
✅
Coverage Limit
$300k per occurrence / $1 million aggregate
Thimble
Starting Price*
$199.87/month (+$389.86 down payment and +106.88 in fees) or $2,465/year (+126.39 in fees)
Coverages Included
General liability, damage to rented premises, medical expense, products and completed operations, terrorism coverage, personal and advertising injury, customer property protection
Optional Coverages
Increase liability limits, business equipment protection, exclusion removals for select activities
Buy 100% Online?
✅
Coverage Limit
$1 million per occurrence / $1 million aggregate
Hiscox
Starting Price*
$55.65/month (+$192.92 down payment) or $749.42/year
Coverages Included
General liability, damage to rented premises, medical expense, personal and advertising injury
Optional Coverages
Increase limits of liability, business property and equipment protection, terrorism coverage, cyber liability
Buy 100% Online?
✅
Coverage Limit
$500k per occurrence / $1 million aggregate
Simply Business
Starting Price*
Custom quotes only
Coverages Included
General liability, damage to rented premises, medical expense, personal and advertising injury, products and completed operations
Optional Coverages
Varies by provider
Buy 100% Online?
✅
Coverage Limit
Varies by provider
| Provider | Starting Price* | Coverage Included | Optional Coverage | Buy 100% Online? | Coverage Limit |
|---|---|---|---|---|---|
|
Insurance Canopy |
$50.08/month (+$117.72 down payment, taxes, and setup fee) or $596.05/year |
General liability, damage to rented premises, medical expense, personal and advertising injury, products and completed operations |
Increased liability limits, tools and equipment coverage, workers’ compensation, cyber liability, commercial auto, janitorial bonds, medical office cleaning coverage |
|
|
|
NEXT Insurance |
$589.17/month (+$1.99 fee) or $7,070/year (+23.88 fee)
|
General liability, damage to rented premises, medical expense, personal and advertising injury |
Increased liability limits, umbrella liability, contractor’s errors & omissions coverage, employment-related practices liability, cyber liability, lost key coverage, care, custody & control, terrorism coverage |
|
$300k per occurrence /
$1 million aggregate |
|
Thimble |
$199.87/month (+$389.86 down payment and +106.88 in fees) or $2,465/year (+126.39 in fees) |
General liability, damage to rented premises, medical expense, products and completed operations, terrorism coverage, personal and advertising injury, customer property protection |
Increase liability limits, business equipment protection, exclusion removals for select activities |
|
$1 million per occurrence / $1 million aggregate |
|
Hiscox |
$55.65/month (+$192.92 down payment) or $749.42/year |
General liability, damage to rented premises, medical expense, personal and advertising injury |
Increase limits of liability, business property and equipment protection, terrorism coverage, cyber liability |
|
$500k per occurrence / $1 million aggregate |
|
Simply Business |
Custom quotes only |
General liability, damage to rented premises, medical expense, personal and advertising injury, products and completed operations |
Varies by provider |
|
Varies by provider |
**For an apples-to-apples comparison, quotes were obtained at the time of writing based on sole proprietor of a pressure washing business in Florida with no employees, a 5-year business history, and an annual revenue of $125,000.
Insurance Canopy: Best Overall Insurance for Pressure Washing Businesses
Cost:
- $50.08/month (with +$117.72 down payment, taxes, and setup fee) or $596.05/year
Coverages Included:
- General liability
- Products and completed operations
- Personal and advertising injury
- Damage to premises rented to you
- Medical expense
Add-ons Offered
- Increased liability limits up to $1M per occurrence/$2M aggregate
- Medical office cleaning coverage
- Janitorial bonds
- Tools and equipment (also known as inland marine insurance)
- Workers compensation
- Cyber liability
- Commercial auto
Standout Features
- Add additional insureds for as little as $0.83 a month
- Choose between monthly payments or up to 12% savings with annual payments
- U.S.-based, non-commissioned support team (with Spanish-speaking agents)
- Industry-specific protection tailored to pressure washers
- Insures small business owners with or without employees
- Most affordable policies
- Online quote in minutes with same-day Certificate of Insurance (COI)
- A+ rated carrier coverage
- No deductible on liability claims
- Customizable policy that you can manage online 24/7
- Doesn’t cover above ground-level jobs
- Does not cover New York
Based on our research, Insurance Canopy is the best pressure washing insurance for professionals who need fast, affordable coverage. You can protect your tools, meet client requirements on the spot, and easily manage your policy online — without breaking the bank.
Insurance Canopy lets you customize your quote, purchase a janitorial bond, and add additional insureds all in one application, giving you a clear picture of how much coverage you get and how much it costs.
If your services or job sites aren’t traditionally covered, like floor waxing or warehouse cleaning, you can call Insurance Canopy for a custom quote, ensuring your business stays protected.
Pro tip: Did you know Insurance Canopy’s premium is almost half the national average for pressure washing businesses? Learn more about the cost of pressure washing insurance and how you can save.
NEXT Insurance: Digital-First Coverage for Businesses with Employees
Cost:
- $589.17/month (+$1.99 fee) or $7,070/year (+23.88 fee)
Coverages Included
- General liability
- Damage to premises rented to you (fire legal liability)
- Medical expense coverage
- Personal & advertising injury
Add-ons Offered
- Umbrella/Excess liability coverage
- Contractors’ errors and omissions insurance
- Employment-related practices liability (EPLI)
- Cyber coverage
- Lost key coverage
- Terrorism coverage
- Care, custody & control property damage
- Worker’s Comp
- Tools & Equipment
- Commercial auto
- Commercial property
Standout Features
- Bundle multiple coverages to save up to 10%
- User-friendly online platform with instant digital documents
- 24/7 policy access through NEXT’s mobile app
- 100% online sign-up with instant COI downloads
- Customizable packages based on your business needs
- Easy-to-use mobile app for managing coverage and claims
- Zero deductible on liability claims
- Limited access to live phone support compared to Insurance Canopy’s real-person help online and over the phone
- High-cost plans with less coverage compared to Insurance Canopy
- May not be ideal for large-scale operations due to cost
Our research shows NEXT Insurance is built for digital-first small businesses with employees. An online app allows you to manage your policy, access COIs instantly, and even submit claims.
NEXT’s online application process requires in-depth details about your business, operations, and employees to make sure you’re getting an accurate quote. Not all add-on coverages are available for every business, so it’s crucial to get this information right.
NEXT provides a list of excluded services and job sites, but unlike Insurance Canopy, there is no option to call customer support for a custom quote.
Thimble: On-Demand or Seasonal Coverage
Cost:
- $199.87/month (+$389.86 down payment and +106.88 in fees) or $2,465/year (+126.39 in fees)
Coverages Included
- General liability
- Damage to rented premises
- Medical expense
- Products and completed operations
- Terrorism coverage
- Personal and advertising injury
- Customer property protection
Add-ons
- Business equipment protection
- Professional liability insurance
- Cyber insurance
- Coverage for select excluded activities (exterior painting, floor waxing, HVAC, plastering, plumbing, snow/ice removal)
- Additional insureds
Standout Features
- User-friendly online platform with a mobile app
- Flexible policies can be paused at any time
- Flexible policies (buy coverage by the job, month, or year)
- Same-day COI upon purchase
- Manage everything from your phone via the Thimble app
- More included coverages than other providers
- Higher cost than Insurance Canopy
- Not ideal for larger or full-time operations that need continuous, complex coverage
- Add-on costs can increase the price quickly for year-round businesses
Thimble offers flexible policies for pressure washing business owners, including coverage for part-time, seasonal, and full-time professionals. While the above quote is based on a full-time policy, short-term plans can cost less for seasonal or part-time businesses.
Thimble only makes you pay for insurance when you need it, letting you cancel or pause your policy at any time through their mobile app. Policies also include common endorsements that usually cost extra elsewhere, including a Waiver of Subrogation which protects additional insureds from being held responsible for a claim.
Hiscox: Flexible Payments for High-Volume Businesses
Cost:
- $55.65/month (+$192.92 down payment) or $749.42/year
Coverages Included
- General liability
- Damage to rented premises
- Medical expense
- Personal and advertising injury
- Blanket additional insureds
Optional Add-ons
- Cyber insurance
- Business property and equipment
- Terrorism coverage
- Increased limits of liability
Standout Features
- Flexible payment options
- Customer service available on the weekends
- Global coverage available in 180+ countries
- Customizable liability limits
- Four flexible payment plan options
- Strong claims support and customer service
- Additional insureds included at no extra cost
- Non-industry-specific coverage for pressure washers
- $250 deductible on liability claims vs. no liability deductible with Insurance Canopy
- Fewer add-ons available compared to Insurance Canopy
Our research shows that Hiscox offers flexible payment plans for pressure washing business owners with multiple clients.
Premiums can be paid monthly, quarterly, semi-annually, or annually. Unlimited additional insureds are included at no extra cost, which helps if you have multiple job sites. However, if you hire help for those jobs, you’ll need a custom quote for employee coverage.
Hiscox doesn’t offer liability coverage specifically for pressure washing businesses. Instead, you have to choose a janitorial or cleaning services policy, which makes Hiscox less specialized than Insurance Canopy’s industry-specific coverage.
Simply Business: Compare Multiple Quotes in One Place
Cost:
- Custom quotes vary by provider
Coverages Included
- General liability
- Damage to premises rented
- Medical expense
- Personal and advertising injury
- Products and completed operations
Common Add-ons***
- Increased limits of liability
- Business property and equipment
- Additional insured coverage post-job completion
Standout Features
- Compare quotes from top carriers side-by-side
***Only the most common add-on coverages among providers are shown. For additional add-on information and coverage selections, select a quote to customize each policy.
- Access to multiple carriers with one application
- Over one million small business owners insured
- Access your COI online 24/7
- Zero deductible on liability claims for most providers
- Support experience can vary depending on the insurer you choose
- Limited coverage options available compared to Insurance Canopy
- Price range is considerably higher than Insurance Canopy’s starting price
While not an insurance company, Simply Business is a brokerage that lets you compare multiple insurance quotes in one place. Pressure washing business owners can use this helpful tool to compare prices and protections, and find a suitable mix in minutes.
Selecting individual insurers from the list allows you to compare monthly versus yearly premiums, too. Results are based on several industry-specific questions about your services and job site types, including specific information about your pressure washing equipment.
While Insurance Canopy offers free quotes up to 90 days before your coverage begins, quotes through Simply Business are only good for 30 days.
What to Look For When Comparing Pressure Washing Insurance Policies
Whether you just launched your startup or you’re thinking about switching providers, understanding how to get pressure washing insurance that fits your business starts with a little research. Here’s what to compare when deciding which cleaning business insurance provider is right for you:
- Coverage limits: Check your policy’s liability limits to ensure they meet contract requirements. Most policies start with $1 million in coverage, but you might need $2 million to qualify for large jobs.
- Monthly vs. annual cost: Monthly payments break down your premium into budget-friendly installments. Single, annual payments save you more in the long run.
- Add-ons: Optional coverages provide more comprehensive protection for your tools, equipment, and employees, especially when you’re expanding your business.
- Exclusions: Always check what business activities aren’t covered. If an excluded incident happens, your claim could be denied.
- Accessibility: Buying a policy online, 24/7 access to COIs, and talking to live customer support makes insurance more manageable, especially if you have to file a claim.
- Additional insureds: Having unlimited additional insureds for a low cost helps you meet contract requirements and grow your clientele without blowing your budget.
Pro tip: If getting insurance feels complicated, read our pressure washing insurance guide to help clear things up.
Questions About Pressure Washing Business Insurance
How much does pressure washing insurance cost?
Pressure washing insurance starts at $39 per month or $435 per year with Insurance Canopy. The final price of your premium depends on a few factors. When getting a quote, your business size, location, and services help determine how much pressure washing insurance costs based on your specific needs.
How do I switch from my current provider to Insurance Canopy?
Switching to Insurance Canopy is simple. Follow these steps:
- Get an instant quote online
- Purchase a policy directly from the website
- Once your policy is active, access your dashboard to download your COI
- Reach out to your old policy provider to cancel your previous coverage
Do I need insurance if I’m a solo pressure washer?
Yes, you need insurance because even solo pressure washers face risks. Pressure washing insurance helps protect your business financially in these situations. Going without coverage puts your income, equipment, and professional reputation at risk, even for one-off or seasonal jobs.
Can I get same-day coverage?
Yes, Insurance Canopy offers same-day coverage with instant online quotes. You can purchase a policy in minutes and immediately access your COI from your dashboard.
Can I cancel or pause my policy?
You can cancel your Insurance Canopy policy anytime directly from your online dashboard. Currently, policies can’t be paused. If you only need coverage for a short period, consider purchasing a plan with monthly payments. You’ll still get full access to your dashboard, COI, and coverage features, with the flexibility to cancel if needed.
Pressure Washing Insurance Isn’t Just Paperwork. It’s Peace of Mind.
Your pressure washing business deserves solid protection. Insurance Canopy makes it easy to get the right coverage without the stress — fast quotes, flexible plans, and instant proof of insurance. Protect your business today and keep every job running smoothly.