Pressure Washing Business Insurance Cost

We found average business insurance costs for pressure washing companies for commonly needed coverage are as follows:

• Recommended Pressure Washing Insurance Bundle: $1,488 per month or $17,853 yearly for a combined BOP, workers' comp and professional liability bundle.
• General Liability Price: $918 monthly or $11,022 annually
• Workers' Comp Price: $84 per month or $1,007 per year
• Professional Liability Price: $57 per month or $689 annually
• Business Owner's Policy (BOP) Price: $1,347 monthly or $16,158 annually

Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.

General liability insurance costs for pressure washing businesses differ depending on location. Maine has the lowest average rate at $797 per month. In New York, the average cost is $1,071, higher than the national average of about $918 per month.

Note: These general liability rates reflect pressure washing businesses with two employees. Your actual rates depend on your location, claims history and the properties you service.

Workers' comp insurance costs for pressure washing businesses vary by state. North Carolina has the lowest rates at $73 monthly, while New York costs $98. State regulations and claim histories affect pricing.

Note: We based these workers' comp rates on pressure washing businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.

Your professional liability cost will vary by state. Nationally, this errors and omissions coverage averages $57 monthly. North Carolina offers the most affordable rates at $50 monthly, while Pennsylvania ranks highest at $67 monthly.

Note: We based these professional liability rates on pressure washing businesses with two employees across different states. Your actual rates will depend on your services offered and location.

Your pressure washing business insurance costs depend heavily on your state. BOP insurance cost ranges from $1,160 in the Tar Heel State to $1,607 in Pennsylvania for the same coverage.

Note: These BOP rates reflect pressure washing businesses with two employees. Your actual rates depend on your business size, location and coverage needs.

Pressure washing business insurance costs range from $312 to $9,183 monthly. Prices differ because insurers evaluate risk differently and target different markets. These rates change as companies adjust their focus based on profitability and industry trends.

Your pressure washing business insurance cost depends on several factors insurers evaluate when pricing your policy:

Pressure washing business insurance costs between $73 and $1,607 per month, though your actual premium depends on factors like your location, business size and claims history. You can lower your insurance costs by comparing quotes from multiple providers, bundling your policies, selecting higher deductibles and paying annually rather than monthly.

Pressure washing business owners commonly ask about insurance costs. We answered the most frequent questions below:

We collected pressure washing business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:

• Two employees (three people in total, including the owner)
• $150,000 annual payroll
• $300,000 annual revenue
• Already insured status
• $1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage

We used a typical small pressure washing business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the pressure washing industry.