The Hartford doesn’t offer pressure washing business insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
Why Might You Need Pressure Washing Company Insurance?
Pressure washing insurance, also called power washing insurance, is a collection of coverages that can help protect you from unexpected claims or lawsuits against your business. While you take every precaution to do your job safely, accidents can happen. For example, misdirected spray could crack a window, a client could slip on wet pavement after a cleaning job or your expensive pressure washer could be stolen from your truck. Without insurance, you’d have to cover these costs out of pocket, which could be financially challenging.
It's important to know that business insurance needs can vary depending on the type of jobs you take on, the surfaces you clean, the equipment you use and how your business is structured. For example, a contractor washing residential driveways may face different risks than one handling commercial buildings or specialty surfaces. Understanding these differences can help you choose the right mix of coverages, including the types of business insurance that make the most sense for your pressure washing business.
Who Might Need Power Washing Insurance?
It’s a good idea to have power washing insurance if your business offers exterior cleaning services. Whether you need insurance for a power washing business that focuses on residential jobs or commercial properties, coverage needs can vary based on the surfaces you clean, the equipment you use and the type of work you take on.
Professionals who may need business insurance include:
- Independent pressure washing contractors
- Self‑employed power washing professionals
- Residential exterior cleaning providers
- Commercial pressure washing companies
- Driveway, sidewalk and concrete cleaning professionals
- Roof, siding or deck cleaning specialists
What Type of Insurance Might I Need for a Pressure Washing Business?
Many pressure washing business owners start with a Business Owner’s Policy (BOP) as the foundation of their insurance plan for the peace of mind it can provide. It includes three types of coverage to help protect your business from claims of bodily injury or property damage:
A BOP includes:
General liability insurance to help protect your business from claims that it caused bodily injury or property damage to others.
Commercial property insurance to help protect your owned or rented building, as well as the tools, equipment, inventory and supplies you use to operate your pressure washing business. These can include:
- Pressure washers and power washers
- Surface cleaners and rotary cleaning attachments
- Hoses, reels and spray wands
- Nozzles, tips and fittings
- Water tanks and recovery systems
- Chemical injectors and cleaning solution applicators
- Cleaning solutions, detergents and job-related materials
- Hand tools and power tools
- Generators and air compressors
- Toolboxes and mobile storage units
- Safety equipment and supplies, such as gloves, eyewear and protective gear
Business income insurance to help replace lost income if you can’t operate temporarily because of damaged property caused by fire, theft or wind.
It’s important to remember that a BOP won’t cover every type of claim you might face. You’ll need to get other types of insurance to create well-rounded protection, including:
How Much Does Pressure Washing Business Insurance Cost?
Although The Hartford doesn’t offer pressure washing business insurance, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- Business Owner’s Policy (BOP): $1,687 a year
- General Liability Insurance: $810 a year
- Workers’ Compensation Insurance: $1,032 a year
It’s important to remember that the cost of business insurance for your pressure washing company may be different than the average. That’s because every business owner has unique needs, and insurers can use several factors to determine rates. The best way to find out how much you’ll pay for insurance is to get a free quote online through Tivly.
General Liability Insurance
“We were washing a storefront when a pedestrian slipped and fell. They required medical attention and sued our business.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Business Income Insurance
“A storm destroyed our storage area and ruined our expensive equipment. We had to rebook a week’s worth of jobs while we replaced everything.”
Business income insurance can help you continue paying ongoing expenses like rent, payroll and utilities when your business is unable to operate temporarily due to covered property loss.
Workers’ Compensation Insurance
“One of our guys stumbled and fell while lifting the power washer into the truck. He needed knee surgery and months off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“We rear-ended another car with our business truck while driving to a customer’s house for a job.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Commercial Property Insurance
“A fire broke out in our business and caused significant damage to our pressure washers and inventory.”
Commercial property insurance can help pay to repair or replace damaged equipment, tools or inventory.
Contractors Equipment Coverage
“Someone stole one of our pressure washers overnight, and it completely threw off our schedule for the day.”
Contractors equipment insurance is designed to cover damaged or missing contracting equipment. It can help pay to remove debris and clean up after an accident. It can also help cover losses from theft and the costs to expedite a project that is behind schedule due to a covered loss.
Pressure Washing Insurance You Can Depend On
See your price and understand what coverage options make sense for your pressure washing business. Get a quote from Tivly today.
Last Updated: May 27, 2026
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023 to 2024,” viewed April 2026.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed March 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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