Pressure washing business insurance costs vary significantly based on coverage type, helping you plan your budget effectively. MoneyGeek's analysis shows monthly premiums range from $57 for professional liability to $1,346 for business owner's policy (BOP) coverage.
Updated: August 20, 2025
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Key Takeaways
Pressure washing business insurance costs range from $57 to $1,346 monthly, depending on your coverage type.
Your Pressure Washing insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable Pressure Washing business insurance costs.
Average Pressure Washing Business Insurance Cost Overall
| BOP | $1,346 |
| General Liability | $918 |
| Professional Liability (E&O) | $57 |
| Workers' Comp | $84 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Pressure Washing Business Insurance Cost for General Liability Coverage by State
Your pressure washing business insurance cost for general liability coverage depends on where you operate. Maine and North Carolina offer the most savings at $797 monthly (versus the $918 national average), while New York costs $1,071 monthly.
| Alabama | $904 |
| Alaska | $809 |
| Arizona | $867 |
| Arkansas | $882 |
| California | $1,025 |
| Colorado | $912 |
| Connecticut | $1,000 |
| Delaware | $990 |
| Florida | $996 |
| Georgia | $934 |
| Hawaii | $945 |
| Idaho | $872 |
| Illinois | $1,010 |
| Indiana | $897 |
| Iowa | $876 |
| Kansas | $893 |
| Kentucky | $850 |
| Louisiana | $1,030 |
| Maine | $797 |
| Maryland | $878 |
| Massachusetts | $965 |
| Michigan | $871 |
| Minnesota | $863 |
| Mississippi | $924 |
| Missouri | $911 |
| Montana | $916 |
| Nebraska | $870 |
| Nevada | $1,038 |
| New Hampshire | $915 |
| New Jersey | $1,042 |
| New Mexico | $925 |
| New York | $1,071 |
| North Carolina | $797 |
| North Dakota | $800 |
| Ohio | $853 |
| Oklahoma | $863 |
| Oregon | $854 |
| Pennsylvania | $1,061 |
| Rhode Island | $1,011 |
| South Carolina | $947 |
| South Dakota | $860 |
| Tennessee | $897 |
| Texas | $928 |
| Utah | $871 |
| Vermont | $883 |
| Virginia | $838 |
| Washington | $1,046 |
| West Virginia | $965 |
| Wisconsin | $903 |
| Wyoming | $851 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Pressure Washing Business Insurance Cost for Workers’ Compensation Coverage by State
Your pressure washing business cost for workers' compensation varies by state. North Carolina offers the lowest rates at $73 monthly and New York the highest at $98 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| Alabama | $83 |
| Alaska | $77 |
| Arizona | $80 |
| Arkansas | $80 |
| California | $94 |
| Colorado | $82 |
| Connecticut | $91 |
| Delaware | $90 |
| Florida | $91 |
| Georgia | $84 |
| Hawaii | $88 |
| Idaho | $80 |
| Illinois | $91 |
| Indiana | $82 |
| Iowa | $79 |
| Kansas | $82 |
| Kentucky | $78 |
| Louisiana | $97 |
| Maine | $73 |
| Maryland | $80 |
| Massachusetts | $88 |
| Michigan | $80 |
| Minnesota | $79 |
| Mississippi | $83 |
| Missouri | $83 |
| Montana | $83 |
| Nebraska | $80 |
| Nevada | $95 |
| New Hampshire | $84 |
| New Jersey | $95 |
| New Mexico | $84 |
| New York | $98 |
| North Carolina | $73 |
| Oklahoma | $78 |
| Oregon | $78 |
| Pennsylvania | $96 |
| Rhode Island | $91 |
| South Carolina | $86 |
| South Dakota | $78 |
| Tennessee | $82 |
| Texas | $85 |
| Utah | $80 |
| Vermont | $80 |
| Virginia | $77 |
| West Virginia | $87 |
| Wisconsin | $82 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Pressure Washing Business Insurance Cost for Professional Liability Coverage by State
Professional liability insurance rates for pressure washing businesses vary based on location. On average, professional liability costs $57 monthly nationwide. North Carolina offers the lowest rates, at $50 monthly, while Pennsylvania E&O insurance costs $67 monthly.
| Alabama | $57 |
| Alaska | $52 |
| Arizona | $55 |
| Arkansas | $54 |
| California | $64 |
| Colorado | $57 |
| Connecticut | $62 |
| Delaware | $62 |
| Florida | $62 |
| Georgia | $59 |
| Hawaii | $57 |
| Idaho | $54 |
| Illinois | $63 |
| Indiana | $57 |
| Iowa | $55 |
| Kansas | $55 |
| Kentucky | $53 |
| Louisiana | $66 |
| Maine | $51 |
| Maryland | $54 |
| Massachusetts | $61 |
| Michigan | $53 |
| Minnesota | $54 |
| Mississippi | $58 |
| Missouri | $57 |
| Montana | $57 |
| Nebraska | $53 |
| Nevada | $64 |
| New Hampshire | $57 |
| New Jersey | $65 |
| New Mexico | $58 |
| New York | $66 |
| North Carolina | $50 |
| North Dakota | $51 |
| Ohio | $53 |
| Oklahoma | $54 |
| Oregon | $53 |
| Pennsylvania | $67 |
| Rhode Island | $64 |
| South Carolina | $59 |
| South Dakota | $54 |
| Tennessee | $56 |
| Texas | $57 |
| Utah | $56 |
| Vermont | $55 |
| Virginia | $53 |
| Washington | $66 |
| West Virginia | $60 |
| Wisconsin | $57 |
| Wyoming | $53 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Pressure Washing Business Insurance Cost for BOP Coverage by State
Business owner's policy rates show major state differences for pressure washing companies. Monthly premiums range from $1,160 in North Carolina to $1,607 in Pennsylvania.
| Alabama | $1,339 |
| Alaska | $1,162 |
| Arizona | $1,253 |
| Arkansas | $1,287 |
| California | $1,476 |
| Colorado | $1,317 |
| Connecticut | $1,474 |
| Delaware | $1,452 |
| Florida | $1,451 |
| Georgia | $1,378 |
| Hawaii | $1,355 |
| Idaho | $1,266 |
| Illinois | $1,471 |
| Indiana | $1,313 |
| Iowa | $1,273 |
| Kansas | $1,330 |
| Kentucky | $1,276 |
| Louisiana | $1,504 |
| Maine | $1,173 |
| Maryland | $1,281 |
| Massachusetts | $1,416 |
| Michigan | $1,280 |
| Minnesota | $1,253 |
| Mississippi | $1,362 |
| Missouri | $1,324 |
| Montana | $1,329 |
| Nebraska | $1,293 |
| Nevada | $1,533 |
| New Hampshire | $1,328 |
| New Jersey | $1,560 |
| New Mexico | $1,361 |
| New York | $1,547 |
| North Carolina | $1,160 |
| North Dakota | $1,189 |
| Ohio | $1,249 |
| Oklahoma | $1,233 |
| Oregon | $1,270 |
| Pennsylvania | $1,607 |
| Rhode Island | $1,470 |
| South Carolina | $1,401 |
| South Dakota | $1,279 |
| Tennessee | $1,310 |
| Texas | $1,341 |
| Utah | $1,285 |
| Vermont | $1,277 |
| Virginia | $1,252 |
| Washington | $1,534 |
| West Virginia | $1,420 |
| Wisconsin | $1,305 |
| Wyoming | $1,275 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Pressure Washing Business Insurance Cost
Your pressure washing business insurance cost depends on multiple variables that insurers evaluate when setting your premiums. Knowing what drives these costs helps you budget more effectively.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas prone to severe storms or high-crime neighborhoods increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Types of properties serviced
Commercial properties and industrial sites carry higher liability risks than residential homes. Cleaning multi-story buildings or working with specialized surfaces requires additional safety measures and insurance coverage.
Employee count and payroll
Insurers calculate workers' comp premiums based on your total payroll and job classifications. Adding employees increases your payroll costs, directly impacting your workers' compensation premiums since insurers calculate your rates per dollar of wages paid.
Services offered
Different pressure washing services carry varying risk levels. Residential driveway pressure washing poses lower risks than commercial roof pressure washing or industrial equipment washing, affecting your insurance premiums accordingly.
Business size and revenue
Higher annual revenue typically means higher premiums since insurers view larger operations as having greater exposure to claims. A solo pressure washer earning $50,000 annually pays less than a commercial pressure washing company with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Equipment and vehicle values
More expensive pressure washing equipment and service vehicles require higher coverage limits, increasing your premiums. A company using industrial-grade pressure washers and specialized pressure washing equipment worth thousands will pay more than one using basic equipment.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Pressure Washing Business Insurance
Finding affordable pressure-washing business insurance cost solutions requires strategic shopping and smart business practices. These proven methods can reduce your premiums immediately or over time as you build a better risk profile.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your pressure washing company needs prevents overpaying for unnecessary coverage. General liability protects against customer property damage, while workers compensation covers employee injuries. Commercial property insurance safeguards your equipment and vehicles.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for the same coverage. Request quotes from at least three companies to find the best rates. Consider working with an independent agent who can handle quote comparisons for you.
- 3
Bundle your coverage types
Insurance companies offer substantial discounts when you bundle multiple policies together. Combining general liability, commercial property and vehicle coverage with one provider typically costs less than separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out-of-pocket for small claims, but save money on regular payments. Select a deductible amount that balances affordable premiums with your cash flow.
- 5
Pay annually instead of monthly
Monthly payment processing fees can add up quickly. Paying your full premium annually eliminates these extra charges. Many insurers also offer discounts for upfront annual payments.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and services.
Insurance for Pressure Washing Business Cost: Bottom Line
Pressure washing business insurance costs range from $57 to $1,346 monthly. Insurance costs for your pressure washing business are based on several factors that insurance companies review to set premiums. Understanding these factors helps with budget planning.
Pressure Washing Business Insurance Cost: FAQ
Pressure washing business owners ask many questions about insurance costs, so we gathered expert answers to the most common pricing questions below.
What is the cheapest type of pressure washing business insurance?
Workers' compensation insurance costs $84 monthly, but only covers employee injuries. Most pressure washing businesses need the more costly general liability coverage ($918 monthly) to protect against customer accidents and property damage claims.
How much can I save by bundling my pressure washing business insurance policies?
Bundling policies through a business owner's policy (BOP) offers the best value for pressure washing companies, combining essential coverages while saving up to 25% compared to separate policies.
What factors make my pressure washing business insurance more expensive?
Several factors can increase your insurance costs: claim history, service locations, workforce size, equipment value, pressure washing specialties and business credit standing.
Should I choose a $500 or $2,500 deductible for my pressure washing business insurance?
A higher deductible ($2,500) will lower your monthly premiums, but requires more cash on hand when filing claims. Consider your business's cash flow and claim frequency when deciding.
How much does workers' compensation cost for pressure washing businesses by state?
Monthly workers' compensation costs for pressure washing businesses range from $73 in North Carolina to $98 in New York, with most states falling between $80 and $90.
Is business owner's policy (BOP) worth the extra cost for pressure washing companies?
A business owner's policy costs $1,346 per month on average and bundles general liability, commercial property and business interruption coverage. This combined package offers more value than purchasing individual policies separately.
How often should I shop around for pressure washing business insurance quotes?
Compare insurance quotes annually during renewal time. Getting multiple quotes helps secure better rates, particularly if your business has grown or changed services throughout the year.
How We Determined Pressure Washing Business Insurance Costs
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 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
This profile represents small pressure washing businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively serve the pressure washing industry.
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.