For most solo pressure washing operators, general liability insurance runs about $500 to $1,500 a year — roughly $50 to $100 a month. Add commercial auto, equipment coverage, and workers' comp once you hire, and a fully covered small operation lands between $1,500 and $4,000 a year. The driver is risk: high-pressure water does real, expensive damage when something goes wrong.
We're a marketing company, not a broker, so we have no policy to push. We run our own home-service companies and carry this kind of coverage, so here's the straight breakdown of what you'll pay and what's actually required.
The baseline, and the one that matters most for this trade. Covers damage you cause to a customer's property — etched glass, stripped paint, water inside the house. Many commercial clients and HOAs require proof before they'll hire.
Covers your work truck or trailer and the gear on it — a stolen pressure washer or surface cleaner is a real loss. A personal auto policy won't pay a work-related claim, so this isn't optional once a vehicle is part of the business.
Usually mandatory once you have employees, priced per $100 of payroll. Solo owners can often skip it depending on the state. Ladders, slick surfaces, and high-pressure equipment make this worth carrying as soon as you bring on help.
The one thing not to do is carry too little coverage to save fifty dollars a month. A single etched-glass or flooded-interior claim can cost more than a decade of premiums.
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Insurance is a fixed cost of running this business. The way you cover it is more booked work. We build the website and SEO that gets pressure washers found, and showing "licensed and insured" with your certificate on that site is one of the strongest trust signals for winning both homeowner and commercial jobs.
Our Start Getting Leads plan is $249/month, Grow in Google adds the SEO content engine at $597/month, and you own everything. See pressure washing websites, pressure washing SEO, SEO for home services, and what local SEO costs.
Requirements vary by state and city, and many don't mandate it for residential work — but commercial clients and HOAs almost always require proof. Practically, the property-damage risk makes liability coverage worth carrying regardless.
Yes — several carriers quote pressure washing general liability online in minutes. Get two or three before committing, since rates for the same coverage vary a lot between carriers.
Usually, but tell your carrier exactly what you do, including chemicals and roof work. Accurate disclosure keeps your claim valid; vague descriptions are how coverage gets denied.
Send your company name and city — we'll confirm your market is open and build a working demo within 48 hours. Free, no card, no commitment.
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