Understanding pressure washing insurance costs across different states helps business owners make informed decisions about coverage selection, business location, and financial planning. ContractorNerd’s proprietary quote platform connects you with contractor-friendly insurers and tech-enabled, specialized agents who understand the unique risks facing pressure washing operations. Get your pressure washing insurance quotes today to see how regional cost variations can impact your business planning.
What This Guide Covers
Our comprehensive analysis of over 200 pressure washing insurance quotes from top insurers reveals significant regional cost variations for general liability coverage. This guide provides state-by-state cost benchmarks for Classification Code 91523 (Cleaning – Outside Surfaces of Buildings) across three business sizes, with premium ranges spanning 1.3% to 33.2% of annual revenue depending on location and business characteristics.
Key data points include:
- 11 states analyzed with detailed cost breakdowns
- Three revenue levels: $50K (sole proprietor), $150K (small team), and $500K (established operation)
- Premium ranges from favorable to higher-end rates
- Potential savings opportunities ranging from 12% to 80% between rate extremes
The rates reflected in this analysis represent typical business characteristics at three key revenue levels that correspond to different operational stages. For $50K revenue operations, our data assumes one owner-operator with zero employees, $50,000 in gross revenues, and less than 10% subcontractor costs – representing new or part-time pressure washing businesses. The $150K revenue category assumes one owner with one employee, $150,000 in gross revenues with 10% subcontractor costs, and an established business with a proven safety record. Finally, $500K revenue operations assume one owner with approximately three employees, $500,000 in gross revenues with 10% subcontractor costs, and an established business with comprehensive safety protocols in place.
These baseline assumptions allow for meaningful comparison across states while accounting for the operational complexity that naturally increases with business growth. The premium variations reflect state-specific regulatory environments, regional differences in litigation costs, labor markets, and competitive insurance landscapes.
To understand how these regional cost differences align with comprehensive coverage needs, exploring pressure washing insurance options helps you evaluate protection for property damage, chemical overspray, and water intrusion claims specific to classification code 91523 operations.
Jump to State
Arizona
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $4,910 | $2,560 | $7,990 | Up to 48% |
| $150,000 | $13,630 | $10,100 | $25,270 | Up to 26% |
| $500,000 | $45,560 | $33,270 | $74,730 | Up to 27% |
Premium ranges represent 5.1% to 16.8% of annual revenue across the three business size categories.
California
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $9,970 | $8,010 | $11,830 | Up to 20% |
| $150,000 | $24,440 | $19,540 | $27,680 | Up to 20% |
| $500,000 | $74,440 | $65,140 | $82,270 | Up to 12% |
Premium ranges represent 13.0% to 23.7% of annual revenue across the three business size categories.
Florida
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $6,640 | $1,680 | $11,280 | Up to 75% |
| $150,000 | $18,590 | $5,090 | $26,340 | Up to 73% |
| $500,000 | $51,270 | $14,370 | $80,190 | Up to 72% |
Premium ranges represent 2.9% to 22.6% of annual revenue across the three business size categories.
Illinois
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $12,170 | $7,050 | $16,590 | Up to 42% |
| $150,000 | $28,380 | $13,150 | $38,880 | Up to 54% |
| $500,000 | $86,530 | $35,340 | $115,650 | Up to 59% |
Premium ranges represent 7.1% to 33.2% of annual revenue across the three business size categories.
Massachusetts
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $7,770 | $5,140 | $9,610 | Up to 34% |
| $150,000 | $18,940 | $14,200 | $24,730 | Up to 25% |
| $500,000 | $61,500 | $47,300 | $76,800 | Up to 23% |
Premium ranges represent 9.5% to 19.2% of annual revenue across the three business size categories.
Michigan
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $4,760 | $2,420 | $6,880 | Up to 49% |
| $150,000 | $12,070 | $5,330 | $17,300 | Up to 56% |
| $500,000 | $37,800 | $15,880 | $53,200 | Up to 58% |
Premium ranges represent 3.2% to 13.8% of annual revenue across the three business size categories.
North Carolina
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $3,000 | $1,050 | $5,240 | Up to 65% |
| $150,000 | $7,340 | $2,870 | $9,150 | Up to 61% |
| $500,000 | $21,980 | $8,070 | $27,690 | Up to 63% |
Premium ranges represent 1.6% to 10.5% of annual revenue across the three business size categories.
Pennsylvania
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,950 | $660 | $10,440 | Up to 78% |
| $150,000 | $15,230 | $5,570 | $24,380 | Up to 63% |
| $500,000 | $55,070 | $22,050 | $70,540 | Up to 60% |
Premium ranges represent 1.3% to 20.9% of annual revenue across the three business size categories.
Texas
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $6,120 | $1,220 | $14,230 | Up to 80% |
| $150,000 | $15,380 | $3,170 | $35,900 | Up to 79% |
| $500,000 | $44,250 | $8,760 | $90,610 | Up to 80% |
Premium ranges represent 1.8% to 28.5% of annual revenue across the three business size categories.
Virginia
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $2,810 | $1,000 | $4,640 | Up to 64% |
| $150,000 | $7,000 | $2,540 | $10,860 | Up to 64% |
| $500,000 | $19,620 | $6,960 | $30,610 | Up to 65% |
Premium ranges represent 1.4% to 9.3% of annual revenue across the three business size categories.
Washington
The following table shows GL premiums for $1M/$2M coverage limits and the premium range as a percentage of revenue.
| Revenue Level | Average Premium | Favorable Premium | Higher-End Premium | Potential Savings |
| $50,000 | $5,420 | $2,850 | $8,800 | Up to 47% |
| $150,000 | $16,820 | $13,880 | $20,550 | Up to 17% |
| $500,000 | $54,540 | $48,130 | $59,430 | Up to 12% |
Premium ranges represent 5.7% to 17.6% of annual revenue across the three business size categories.
Making Informed Insurance Decisions for Your Pressure Washing Business
ContractorNerd’s proprietary quote platform simplifies the process of comparing these regional differences by connecting you directly with contractor-friendly insurers who specialize in pressure washing operations. Our tech-enabled, specialized agents understand Classification Code 91523 requirements.
Whether you’re a $50K sole proprietor evaluating startup costs, a $150K operation planning employee additions, or a $500K established business considering multi-state expansion, these state-by-state benchmarks provide the foundation for strategic insurance planning. The data reveals significant cost variation opportunities that make professional guidance valuable for any pressure washing contractor.
ContractorNerd’s specialized platform delivers personalized quotes from insurers who understand your industry’s unique risks and operational requirements. Get your pressure washing insurance quotes today and experience the advantage of working with agents who specialize in contractor coverage.