Pressure washing · Insurance
Pressure washing insurance: what the providers actually publish
Of the 4 providers whose pressure washing pages we set out to read on September 6, 2026, 3 could be read and 1 sits behind a bot check. Two of the three sell equipment cover separately from liability. The third lists it inside its package, and only one publishes a price.
This page is a reading of what each provider publishes about pressure washing, on the dates shown. It is not a ranking, it does not score anyone, and it does not know anything about your business. Where a page could not be read, the cell says so.
The facts, provider by provider
What each published page says, in its own words. Every cell carries its source and the date it was read.
| Provider | Its page lists | Sold separately | Published price |
|---|---|---|---|
ThimbleGeneral liability insurance won't cover damage to your work equipment, but it will cover third-party property damage and bodily injury of a client or other third party. To cover your own equipment, consider getting these policies: Business equipment protection: Covers the equipment you own, borrow or rent for your business if it travels with you on and between work sites. | third party, non-employee bodily injury; third party property damage; defense coststhimble.com · read 2026-09-06 | damage to your own work equipment, which its own FAQ says general liability will not cover and which it sells as a separate business equipment protection policythimble.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
Simply BusinessAlso known as inland marine insurance, this coverage can financially protect equipment and inventory that's in transport or stored offsite. | general liability for third party accidents, property damage and bodily injury; coverage limits of $1M to $2Msimplybusiness.com · read 2026-09-06 | contractor's equipment and small tools, sold separately as inland marinesimplybusiness.com · read 2026-09-06 | General liability $41.67/monthWorkers' compensation $38.91/monthContractor's equipment and small tools $20.83/monthBusiness owner's policy $33.75/monthsimplybusiness.com · read 2026-09-06 |
ERGO NEXT InsuranceOur insurance packages typically include: General liability, Contractors' E&O, Commercial auto, Tools and equipment, Commercial property | general liability; contractors' errors and omissions; commercial auto; tools and equipment; commercial propertynextinsurance.com · read 2026-09-06 | Its page names no separate exclusions.nextinsurance.com · read 2026-09-06 | [TO VERIFY] its page publishes no price for this trade, so there is none to quote. |
| Hiscox | [TO VERIFY] its page serves an automated security check that did not clear, attempted 2026-09-06. | [TO VERIFY] not read, so it is absent rather than assumed. | [TO VERIFY] not read. |
The gap list
What the online policy does not do
Your own rig sits outside the liability policy
One provider states it on its own page: general liability will not cover damage to your work equipment. The cover that reaches it has its own name and its own price, and on the page that publishes prices it is a separate line.
Wash water that reaches a storm drain is a different regime
Where the runoff goes is an environmental matter with its own rules and its own agency. It is not a policy question, and no provider page treats it as one.
The certificate holder is not the insured
The document a commercial client asks for states in its own text that it confers no rights on the holder. What it proves is that a policy existed on the day it was issued.
One of the four pages could not be read at all
That cell is marked unverified rather than filled with what a comparable provider says, because a plausible number is still an invented one.
Every line here comes from the providers' own pages or from the standard forms, with the date each was read.
The starter checklist, by trade and state
Every licensing, tax and renewal line for your trade, with the official source and the date it was read on each one. Contractor licensing verified in CA, NV, AZ, FL and TX, across the 7 trades of this site. Not 50 states: the ones we have not read are absent rather than estimated.
See what the checklist coversCommon questions
Do pressure washers need insurance to work?
No state page this site has read makes a liability policy a condition of working. What requires it in practice is the client: commercial accounts and property managers ask for a certificate before they sign, and that is a private contract requirement rather than a licensing one.
Is my pressure washer covered by general liability?
One provider answers this on its own page in as many words: general liability will not cover damage to your work equipment, and the cover that does is sold as a separate product. Two of the three pages we could read sell it separately. The third lists it inside its package.
What do these policies actually pay for?
The pages describe the same core: injury to someone who is not an employee, damage to property that belongs to someone else, and the cost of defending a claim even when it turns out to be unfounded.
Why is one provider missing from the table?
Its site serves an automated security check that does not clear on a normal page load, so we could not read what it publishes. That is a limit on our reading rather than evidence that the page says nothing, and the cell says so with the date we tried.
How this page is sourced
Each row is a reading of the provider's own product page for pressure washing, quoted verbatim and dated. Providers whose pages could not be read are listed with the attempt date rather than left out, because leaving them out would make the comparison look more complete than it is.
Related on this site: whether the trade needs a licence at all, and the water discharge rules that catch operators, are on pressure washing licensing. Why your own equipment was never inside a liability policy is on tools and equipment. Sourcing standard on methodology.