Key Takeaways

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The Hartford is the best business insurance company for pressure washing firms because it offers the greatest balance of customer service and coverage.

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The cheapest overall commercial insurance provider for pressure washing businesses is Thimble, with low monthly rates for various coverage types.

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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.

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Best Business Insurance for Pressure Washing Companies

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.

The Hartford929291
Thimble919881
Simply Business909083
Nationwide888391
NEXT Insurance878094
Coverdash878483
biBERK858191
Progressive Commercial858681
Chubb858087
Hiscox848387

*All scores were based on a pressure-washing business with two employees across professional liability, general liability, workers' comp and BOP policies.

The Hartford

1. The Hartford

*on The Hartford
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pros

  • Cheapest professional liability coverage

  • High customer satisfaction rating

  • A+ AM Best financial strength

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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.

Thimble

2. Thimble

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pros

  • Lowest general liability and BOP pricing

  • Most affordable workers' comp option

  • Easy app-based policy setup

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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.

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3. Simply Business

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pros

  • Competitive rates across multiple coverages

  • Easy carrier comparison tool

  • Great for new businesses

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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.

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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.

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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. 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. 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. 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. 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. 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

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?

Who has the cheapest business insurance for pressure washing companies?

What business insurance is required for pressure washing organizations?

How much does pressure washing business insurance cost?

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 headshot

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.


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