Running a pressure washing business without proper insurance is like operating a pressure washer without a nozzle — risky, unstable, and likely to blow up in your face. The nature of soft washing, power washing, and chemical application services carries significant liability, especially when working on homes, businesses, vehicles, or delicate substrates like stucco, roofs, and wood.
Whether you're cleaning a million-dollar estate, restoring a commercial parking lot, or just starting out on residential driveways, insurance is not optional — it's a business necessity.
The pressure washing industry faces a unique combination of risks. From high-powered water blasting fragile surfaces to potential chemical runoff, damage claims can cost thousands — and that’s before you even factor in personal injuries, vehicle accidents, or overspray liability. In many states, customers and commercial clients won’t even hire you unless you’re insured.
Covers property damage, bodily injury, and legal fees if you're sued
Required if you hire employees; covers injury claims on the job
Protects your work trucks, trailers, and equipment in transit or on the road
Protects your pressure washers, surface cleaners, and tools
Helps cover claims related to chemical runoff or wastewater discharge
If you're hauling a pressure washer in the back of your truck, towing a trailer with a soft wash rig, or driving a vehicle wrapped in your company branding — you need commercial auto insurance. Personal auto policies typically won’t cover vehicles used for business, especially when transporting chemicals, large equipment, or on-site personnel.
Without commercial coverage, you risk denied claims, out-of-pocket repairs, and liability lawsuits if you're involved in an accident while working. A single accident can jeopardize your business and wipe out your gear.
Collision & comprehensive coverage for your vehicles
Liability protection if you damage another vehicle or injure someone
Equipment theft coverage from inside locked vehicles or trailers
Optional coverage for signage, wrap graphics, and gear racks
Goosehead Insurance is our top recommendation for pressure washing companies seeking comprehensive, affordable, and customizable business insurance. Dave Duley is a pressure washing insurance specialist who understands the industry’s real risks — and how to protect your business without overpaying.
Agent
Dave Duley
Licensed in All 50 States
Location
Scottsdale, Arizona
(serving all U.S. states)
If you’re just getting started in the pressure washing business as a solo operator, and you’re still building your client base, Thimble is a great entry-level insurance option. You can buy on-demand general liability insurance by the job, day or month — making it ideal for testing the waters without long-term commitments.
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If you’re serious about running a pressure washing business, insurance is not just paperwork — it’s your protection, your credibility, and your access pass to commercial jobs and long‑term clients.
Use Thimble to stay covered per job.
Choose Goosehead Insurance and talk to Dave Duley.
The insurance information provided on this page is for general informational purposes only and does not constitute legal, financial, or professional advice. PowerWashing.com is not a licensed insurance agency, broker, or underwriter, and we do not sell, solicit, or negotiate insurance policies.
All insurance recommendations, including Goosehead Insurance and Thimble, are offered as third‑party options for users to consider at their own discretion. We make no representations or warranties regarding the coverage, pricing, eligibility, underwriting decisions, or service quality of any listed provider. Coverage availability and terms may vary by state, provider, and business circumstances.
Users are solely responsible for verifying that any selected insurance meets their business needs and complies with local, state, and federal regulations. Always consult a licensed insurance agent, broker, or attorney before purchasing or relying on any insurance product.
PowerWashing.com is not liable for any claims, losses, damages, or disputes arising from the use of this information or services linked herein.
