Insurance for Pressure Washers
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What does pressure washing insurance cover?
Pressure washing insurance is policy options designed to protect steam and pressure cleaning businesses from the cost of everyday risks, including:
- Third-party property damage and injury claims
- Equipment damage or theft
- Unplanned business interruptions
- Loss of income if you are unable to work due to injury or illness
At BizCover, we specialise in business insurance for thousands of occupations, including pressure washing businesses. Compare quotes and select cover that meets your unique business needs.
Why do pressure cleaning businesses need insurance?
Public Liability insurance work is typically required to work with local councils, enter jobsites, and work as a contractor or subcontractor. It helps cover the cost of lawsuits and claims made against your pressure cleaning business.
Pressure washing businesses work with high pressure tools and in unpredictable environments. Accidents can happen, even if you take every safety precaution. Business insurance can help pressure cleaning businesses protect their business, equipment, and finances.
| Industry-specific Risks | General Risks |
|---|---|
| A cleaning product you use damages a client’s flooring | A member of the public trips over your hosing and is injured |
| Your equipment is stolen and must be replaced before you can continue work | You’re injured on holiday and are unable to work for weeks |
| Water spray accidentally damages the paint on a customer’s house |
Who needs business insurance for pressure washing?
Business insurance is considered essential by a wide range of pressure and steam cleaning professionals who use high-powered cleaning equipment, including self-employed, short-term, and temporary contractors.
Residential and Commercial Pressure Washing Services
Industrial Cleaners
Property Maintenance Services
Car Washes and Dealerships
Specialised External Cleaners
Independent Contractors and Subcontractors
Factory and Farm Cleaning
Driveway, Pavement, and Concrete Cleaners
Roof, Wall, and Deck Cleaners
What types of insurance do steam and pressure washing businesses need?
Power washing businesses often choose multiple types of insurance to protect their businesses in different scenarios. From injuries and accidental property damage to stolen equipment, our steam and pressure washing insurance solutions are designed to protect your business finances, tools, and assets.
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How much does pressure washing insurance cost?
The cost of pressure washing insurance is based on several factors, such as the services you provide, your business size, and number of people covered by a policy. With BizCover, it’s easy to compare quotes from multiple insurance partners in minutes.
Factors influencing cost
Risks of the industry
Cover level amount
Annual Turnover
Number of Employees
Claims History
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get flexible cover to match your business needs
Choose cover limits that suit your business. Public Liability up to $20 million, Personal Accident & Illness up to $4,000 per week.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*BizCover’s Marketing Pricing Expectations Report is based on 1 July 2025 to 30 June 2026 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get flexible cover to match your business needs
Choose cover limits that suit your business. Public Liability up to $20 million, Personal Accident & Illness up to $4,000 per week.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to over yourself, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How It Works – Buying Online
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- Business Details
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How To Make a Claim Online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See How Much Other Pressure Washers Have Saved By Purchasing a Policy Through BizCover
Brodie
Builder: House Construction – Alteration Or Renovation from
NSW
Saved
$400
on
Personal Accident & Illness
Daniel
Carpenter from
NSW
Saved
$1,000
on
Portable Equipment
Andrew
Plumber from
VIC
Saved
$1,000
on
Public Liability insurance
^Savings made from February to August 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently asked questions
No, insurance is generally not required by law for pressure washing businesses. However, the clients you work with may require you by contract have Public Liability insurance. A Public Liability policy may also be necessary if you work as a contractor or subcontractor for another business.
Yes, BizCover offers insurance options for pressure washing businesses that cover strata and commercial contracts.
Yes, part-time workers should consider insurance to help protect themselves and their business. Some types of cover, such as Public Liability insurance, may be required to work as a contractor or subcontractor or accept contracts from specific clients. This require generally applies to full-time, part-time, and seasonal contracts.
Making a claim is easy with BizCover. Simply fill out our online claims form to instantly start a claim. Our claims team works closely with our insurer partners to make the process as painless as possible.
Subcontractors are typically not covered by the insurance policies that the business they are doing work for holds. If you work as a subcontractor, your work contract may require you to have Public Liability and/or other types of insurance. If your business uses subcontractors, you may want to include a Public Liability requirement in your work contracts.
Hear from our customers
It was very straight forward without too much jargon.
Liza
The website was easy to use to arrange insurance.
Ian
I received multiple quotes along with spoke to multiple insurance companies. Rod was by far the most understanding and made me feel very comfortable making such a big business decision
Bianca
Easy as 123
Brian
Easy to use, helpful consult on the phone, no pressure. Easy to finalise purchase of insurance
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