The Hartford earned our top spot for the best small business insurer for pressure washing companies due to its outstanding customer service and comprehensive coverage. However, we recommend comparing quotes from our other top picks, including Thimble, Simply Business and Nationwide.
Best Pressure Washing Business Insurance
Our analysis reveals that The Hartford, Thimble and Simply Business provide the best and cheapest insurance for pressure washing companies.
Discover affordable business insurance for pressure washing companies below.

Updated: July 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is the best business insurance company for pressure washing firms because it offers the greatest balance of customer service and coverage.
The cheapest overall commercial insurance provider for pressure washing businesses is Thimble, with low monthly rates for various coverage types.
To shop for business insurance for your pressure washing business, assess the risks in your industry, consult agents and other similar organizations and compare multiple options.
Compare Small business Insurance Rates
Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.
Best Business Insurance for Pressure Washing Companies
The Hartford | 92 | 92 | 91 |
Thimble | 91 | 98 | 81 |
Simply Business | 90 | 90 | 83 |
Nationwide | 88 | 83 | 91 |
NEXT Insurance | 87 | 80 | 94 |
Coverdash | 87 | 84 | 83 |
biBERK | 85 | 81 | 91 |
Progressive Commercial | 85 | 86 | 81 |
Chubb | 85 | 80 | 87 |
Hiscox | 84 | 83 | 87 |
*All scores were based on a pressure-washing business with two employees across professional liability, general liability, workers' comp and BOP policies.

1. The Hartford
pros
Cheapest professional liability coverage
High customer satisfaction rating
A+ AM Best financial strength
cons
High general liability and BOP costs
COMPANY HIGHLIGHTS
The Hartford is a top pick for pressure washing companies, especially those needing reliable professional liability coverage. At just $51 per month, it offers the most affordable pricing in this category and ranks high in customer service and overall stability. Backed by an A+ from AM Best, The Hartford is a strong choice for companies working on high-value properties or government contracts. However, its BOP and general liability rates are significantly higher than those from budget-first providers.

2. Thimble
pros
Lowest general liability and BOP pricing
Most affordable workers' comp option
Easy app-based policy setup
cons
Not ideal for large-scale operations
COMPANY HIGHLIGHTS
Thimble is the most affordable insurer across the board for pressure washing companies, offering the lowest prices for general liability ($429 per month), BOP ($665) and workers' comp ($36). Its platform is built for speed and flexibility, making it ideal for independent contractors or crews doing residential and small commercial jobs.
Policies can be activated on demand or monthly, giving part-time or seasonal cleaners a low-commitment option. While the company receives high ratings on forums like Trustpilot, it has a major limitation: it doesn't offer phone customer support, and all communications occur online through the app or email.

3. Simply Business
pros
Competitive rates across multiple coverages
Easy carrier comparison tool
Great for new businesses
cons
Customer support depends on carrier
COMPANY HIGHLIGHTS
Simply Business is ideal for pressure washing companies that want to compare multiple quotes quickly and lock in affordable coverage. It ranks second-lowest for general liability and workers' comp pricing, making it a strong choice for startups or solo operators. As a marketplace, Simply Business connects you with top-rated insurers, which allows for flexibility in both pricing and policy selection. However, support and claims management may vary depending on which carrier you ultimately choose.
Compare Small business Insurance Rates
Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.
Cheapest Business Insurance for Pressure Washing Firms
Based on our study of business insurance pricing, Thimble offers the cheapest overall commercial insurance for pressure washing companies across most policy types. However, this applies only to pressure washing companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Pressure Washing Companies
With an average monthly rate of $429, Thimble offers the lowest-cost general liability insurance for pressure washing companies. Even so, consider getting quotes from the next-most-affordable insurers: Simply Business and The Hartford.
Thimble | $429 | $5,144 |
Simply Business | $717 | $8,605 |
The Hartford | $741 | $8,897 |
Progressive Commercial | $892 | $10,699 |
Coverdash | $950 | $11,401 |
Hiscox | $976 | $11,708 |
Nationwide | $978 | $11,738 |
Chubb | $1,098 | $13,174 |
biBERK | $1,148 | $13,773 |
NEXT Insurance | $1,227 | $14,724 |
Cheapest Workers' Comp Insurance for Pressure Washing Companies
For pressure washing businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $36 per month or $430 yearly. However, you may find more affordable rates with Progressive Commercial, Simply Business and Hiscox.
Thimble | $36 | $430 |
Progressive Commercial | $39 | $463 |
Hiscox | $40 | $480 |
Simply Business | $40 | $479 |
Coverdash | $41 | $491 |
The Hartford | $41 | $487 |
biBERK | $42 | $506 |
NEXT Insurance | $42 | $500 |
Nationwide | $45 | $539 |
Chubb | $48 | $578 |
Cheapest Professional Liability Insurance for Pressure Washing Companies
The Hartford offers the most affordable professional liability insurance options for pressure washing companies, with low average monthly rates of $51. You may also want to compare prices from other low-cost providers like NEXT Insurance, Progressive Commercial and Thimble.
The Hartford | $51 | $612 |
NEXT Insurance | $53 | $639 |
Progressive Commercial | $54 | $650 |
Hiscox | $57 | $681 |
Simply Business | $57 | $680 |
Thimble | $57 | $684 |
Coverdash | $58 | $694 |
biBERK | $60 | $714 |
Nationwide | $62 | $744 |
Chubb | $67 | $799 |
Cheapest BOP Insurance for Pressure Washing Companies
Thimble provides the most affordable business owner's policy (BOP) coverage for pressure washing companies, with an average yearly cost of $7,976 for bundled general liability and property protection. That’s a savings of roughly $3,389 annually compared to The Hartford, the second most affordable option.
Thimble | $665 | $7,976 |
The Hartford | $947 | $11,365 |
Simply Business | $1,087 | $13,049 |
Progressive Commercial | $1,343 | $16,112 |
Coverdash | $1,378 | $16,532 |
Nationwide | $1,460 | $17,524 |
Hiscox | $1,463 | $17,554 |
biBERK | $1,493 | $17,911 |
Chubb | $1,654 | $19,844 |
NEXT Insurance | $1,776 | $21,307 |
What Type of Coverage Do You Need for a Pressure Washing Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED PRESSURE WASHING BUSINESS COVERAGE
General liability insurance is strongly recommended for pressure washing companies because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It’s particularly helpful for pressure washing businesses with commercial contracts or high-risk jobs, like technical, legal or customized services.
How to Get the Best Cheap Business Insurance for Your Pressure Washing Company
Here's a step-by-step method for finding the best and cheapest business insurance for your pressure-washing company.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs and prevent you from being convinced to get excessive coverage.
- 2
Research costs
To ensure you get the best deal, research average costs for your business profile and determine which providers offer the cheapest rates overall. This will give you a measuring stick for how much you're saving when comparing quotes and which companies to start with.
- 3
Look into company reputations and coverage options
To further narrow your list, research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, to align with your coverage needs and future ones, research coverage options to ensure you're covered for the right items.
- 4
Compare multiple quotes through different means
The tried-and-true method for finding the best deal is to compare multiple quotes for apples-to-apples coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Pressure Washing Business's Liability Risk
Reducing liability risks is vital for pressure washing businesses to keep insurance costs manageable. Below, we've organized risk mitigation strategies by business type or risk tier to help you find the best approach for your operations.
Risk Tier | Included Pressure Washing Businesses | Risk Mitigation Tactics |
---|---|---|
Highest | Commercial/industrial washing, multi-unit residential complexes | Pre-walkthroughs with photos, test chemical compatibility, train employees on surface types, carry pollution liability for runoff or drainage issues |
Moderately High | Roof washing, multi-crew home services | Use soft wash on appropriate materials, confirm ladder/staging safety, clearly explain results vs. expectations, get customer sign-off before and after |
Moderate | Driveway, patio, fence, and siding cleaners | Use proper nozzle settings, avoid windows and electrical boxes, require waivers for older surfaces, document before/after work with timestamps |
Lowest | Solo part-timers, weekend side gigs | Carry general liability at minimum $1M, avoid multi-level jobs or soft-wash services, keep tools secured in transit, clarify scope and surface limits in writing |
Best Insurance for Pressure Washing Business: Bottom Line
The Hartford is the best insurer for pressure washing business insurance, while Thimble offers the cheapest option overall. We also recommend getting quotes from NEXT Insurance, Nationwide and Simply Business. For the best deal, talk to agents, research providers and pricing and compare multiple quotes side by side.
Pressure Washing Business Insurance: FAQ
This section answers frequently asked questions about insurance for pressure washing businesses.
Who offers the best pressure washing business insurance overall?
The Hartford stands out as the top provider of pressure washing business insurance, boasting an impressive MoneyGeek score of 92. Thimble closely follows with a commendable score and affordability.
Who has the cheapest business insurance for pressure washing companies?
Here are the cheapest business insurance companies for pressure washing companies by coverage type:
- Cheapest general liability insurance: Thimble at $429 per month
- Cheapest workers' comp insurance: Thimble at $36 per month
- Cheapest professional liability insurance: The Hartford at $51 per month
- Cheapest BOP insurance: Thimble at $665 per month
What business insurance is required for pressure washing organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are mandatory for pressure washing businesses, with state-specific requirements. Although not required by law, most clients and leases demand general liability insurance and surety bonds.
How much does pressure washing business insurance cost?
Business insurance costs for pressure washing companies vary depending on your location, services offered and business size. Below are the average monthly costs for core coverage types:
- General liability: $916 per month
- Workers comp: $41 per month
- Professional liability: $58 per month
- BOP insurance: $1,327 per month
How We Chose the Best Pressure Washing Business Insurance
We selected the best business insurer for pressure-washing companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 16, 2025.
- Trustpilot. "Thimble." Accessed June 16, 2025.