Pressure Washing Insurance

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. 

Get the coverage you need today.
ll For A Free Quote @  855-718-1061


You’re no stranger to the potential risk associated with cleaning customers’ properties. After all, you’ve worked tirelessly to get to where you are with your business. With all that risk at stake, shouldn’t you have insurance that protects the business you worked so hard to build?

A pressure washer’s forceful spray could easily damage the siding on a home, or even cause an injury. That’s one reason pressure washing insurance is so important. It helps pay for legal expenses, medical bills, and repair costs that could otherwise sink your business.

pressure washing insurance

How Much Does Pressure Washing Insurance Cost?

A small business with a few cleaners will pay less for insurance than a large company.

Factors that affect premiums include:

    • Services offered
    • Business property and equipment
    • Business revenue
    • Types of small business insurance purchased
    • Policy limits and deductibles


The insurance cost you receive is a sum of your total yearly premiums. Insurers look at several factors before they determine the cost of your premiums. You might have similar insurance needs with other businesses but still, end up paying different premiums. General liability insurance for pressure washers starts at around $28 a month.

Pressure Washing Insurance, Is It Required?

Pressure washing businesses are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Who Sells Pressure Washing Insurance?

It’s easy to get pressure washing insurance policies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with BizInsurancePro in three easy steps:

  1. Complete a free online quote
  2. Compare and choose policies
  3. Pay for your policy and download a certificate

BizInsurancePro’s licensed agents work with top-rated U.S. insurers to find the right coverage for your pressure washing or power washing business, whether you work independently or hire employees.

Get the coverage you need today.
ll For A Free Quote @  855-718-1061

What types of insurance do pressure washing businesses need?

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of pressure washing accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by clients.

General Liability can help you pay for:

    • Medical payments
    • Property damage
    • Legal fees and judgments

Contractors’ E&O

Bought by 80% of business owners like you

Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of causing water damage to a client’s home, it could help cover related expenses to defend yourself or redo the job.

Contractors’ E&O can help you pay for:

  • Professional negligence (actual or alleged)
  • Legal defense costs
  • Legal judgments

Commercial Auto

For business owners who own or drive vehicles

Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you get into a fender bender with another car on the way to a work site.

Commercial Auto can help you pay for:

  • Medical expenses
  • Collision repairs
  • Rental reimbursement

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your pressure washing gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.
Tools & Equipment can help you pay for:
  • Equipment owned by you
  • Employee tools and clothing
  • Borrowed equipment

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your power washing business equipment, inventory and even misplaced keys and locks. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.
Commercial Property can help you pay for:
  • Damaged equipment and inventory
  • Lost income
  • Operating expenses

Is Using a Pressure Washer Safe?

Pressure Washer Safety Tips

1. Read Your Manual

Knowing how to properly use your pressure washer is the first safety precaution to take before using it. There are various differences among pressure washers; including features, water temperature, and amount of pressure.

Read your owner’s manual entirely, from front to back. They’re not typically that long of a read, but they feature information that may be vital for safely using your power washer.

In addition to safety tips, your user manual will include instructions on how to use model-specific safety features. There will also be instructions regarding how to properly set up and disassemble your pressure washer that may be very important to safety as well.

2. Consider All Possible Hazards

In order to avoid hazards, you have to first be aware of them. Consider all possible hazards before using your pressure washer. This includes obstacles you could trip on, slippery surfaces, uneven surfaces, distractions, pets, children, and even traffic passing by.

If you’re going to need to stand in the street for any reason while pressure washing, be sure you have a spotter watching for approaching traffic so you don’t get hit. Watching for traffic on your own is a distraction from safely operating your pressure washer.

If there are others outside with you, have a responsible spotter watch for anyone approaching during use so you don’t accidentally direct your pressure washer at them. Once you’ve finished making a list of all possible hazards, plan for how to avoid them.

3. Wear Proper Safety Gear

There are way too many images and videos online of people using pressure washers in sandals, wearing shorts, not wearing gloves, and especially not wearing safety goggles. The vast majority of pressure washer injuries could be prevented by simply wearing the proper safety gear.

  • Boots: Be sure you always wear closed-toe shoes or boots when pressure washing. We recommend wearing steel-toe boots, as high-pressure streams can potentially tear through rubber boots.
  • Gloves: Hands are one of the most common body parts injured with pressure washers. Therefore, gloves are one of the best forms of safety gear you can wear. They not only protect your hands but improve your grip, helping to avoid other unnecessary injuries.
  • Long Pants: Because you’re using highly pressurized water to blast dirt and debris off of surfaces, you want to make sure your legs are protected from flying debris that could break skin. In addition, if you’re cleaning sidewalks or pavement, you want to protect your legs from the downward jet of water that’s near them.
  • Safety Glasses: Just as you need to protect your legs from flying debris, it’s very important that you protect your eyes from the same hazards. Wear safety glasses, or at least shatterproof sunglasses, to protect your eyes from dirt and other small debris that’s being propelled by the pressurized water.
  • Hearing Protection: If you’re using a gas pressure washer, we recommend wearing hearing protection. The motor is not enclosed, so it generates a lot of sound. The loud decibels generated by the motor and pump can cause damage to your hearing if you’re not careful. Electric pressure washers are typically much more quiet, and shouldn’t require the use of hearing protection.
4. Pressure Washers Are Not Toys

As you should already know, pressure washers are tools – not toys. Never aim a pressure washer at another person or pet. The high-pressure water output by a pressure washer can cause very severe injury, and should never be treated like a squirt gun.

Always aim carefully for what you’re cleaning before pulling the trigger. Do not aim a high pressure turbo nozzle at a window or other breakable materials. For glass, automobiles, and other more fragile materials, use a low-pressure nozzle to avoid causing damage.

Never let children operate a pressure washer, and always make sure to communicate to others not to cross your path while you’re cleaning with it.

5. Use the Safety Latch When Not Spraying

When you’re not spraying, engage the safety latch on your gun to prevent unintentional engagement of the pressure washer. Many pressure washer guns, though not all, feature a safety latch on the handle. This is a small lever that can be flipped horizontally behind the trigger to prevent it from being activated unintentionally.

Never place your gun down without engaging this safety latch. And never leave your pressure washer unattended while running. If you have to walk away for more than a minute, turn the pressure washer off. It’s not good for your pump to leave it running while not in use, and shutting it off can prevent unwanted accidents.

6. Never Use Gas Pressure Washers in Enclosed Areas

Gas engines emit carbon monoxide, which is a colorless, odorless gas that’s deadly when concentrated. Do not use gas-powered pressure washers in enclosed areas, ever. Even with windows open, the carbon monoxide will still build up to extremely dangerous levels.

If you’re pressure washing the inside of a garage, we recommend using an electric pressure washer. It’s extremely important to your health and the health of others in your home that you only use gas pressure washers outdoors.

7. Depressurize Before Disassembling

When you’re finished using your pressure washer, turn it off and squeeze the trigger. Even after your pressure washer has been shut off, the pressure still remains inside, and can cause serious harm if released improperly.

Do not detach the hose, the spray gun, or the nozzle until you’ve squeezed the trigger and released all of the remaining pressure. Removing the gun from the high-pressure hose while there’s still pressure means that highly pressurized water will be released directly into your hand.

Regulating Agency and References

Insurance Information Institute (III)

This organization’s mission is to improve public understanding of insurance – what it is and how it works.
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