Coverage checklist
| Coverage | What it covers | When you need it |
|---|---|---|
| General liability | Third-party property damage (etched glass, stripped paint, dead plants) and injuries | Day one; many HOAs and commercial clients require a certificate |
| Commercial auto | The truck and trailer while working | When the vehicle is used for business - personal auto policies may exclude it |
| Inland marine / tools and equipment | Pressure washers, pumps and gear on the trailer or at job sites | Once the rig is a meaningful investment |
| Workers' compensation | Employee injuries | When you hire - rules vary by state |
| Pollution liability | Runoff or chemical damage claims | Soft washing and commercial work |
What moves the premium
- Services: roof work and soft washing with chemicals are typically rated as higher risk than flatwork.
- Revenue and payroll: liability and comp premiums scale with them.
- Claims history and years in business.
- Limits: commercial clients often ask for specific per-occurrence limits - ask them before you buy.
This is general information, not insurance advice. Coverage terms and requirements vary by state and insurer; confirm with a licensed agent.
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Frequently asked questions
Do I need insurance to pressure wash?
Few states require liability insurance for washing specifically, but customers, HOAs and commercial clients commonly ask for a certificate, and one damage claim can exceed a year of premiums.
How much does pressure washing insurance cost?
It varies by state, services, revenue and claims history; get quotes from at least three insurers or an independent agent.