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Insurance For Pressure Washing Contractors
Covering All Types Of Power Washing Businesses
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What Types of Roofers We Insure
Types of Power & Pressure Washing Contractors We Insure
We work with a wide range of exterior cleaning businesses, from owner-operators serving local homeowners to larger contractors handling commercial properties, fleets, and multi-location accounts.
Residential Pressure Washing
Homes, driveways, patios, decks, fences, siding, and other residential surfaces.
Commercial Pressure Washing
Retail centers, offices, restaurants, warehouses, storefronts, and commercial properties.
Soft Washing Contractors
Low-pressure exterior cleaning for siding, stucco, roofs, painted surfaces, and delicate materials.
Concrete & Surface Cleaning
Sidewalks, parking areas, loading zones, driveways, dumpster pads, and other hard surfaces.
Roof & Gutter Cleaning
Roof washing, moss and algae removal, gutter cleaning, and exterior drainage cleaning.
Fleet & Mobile Washing
Trucks, trailers, buses, construction equipment, commercial fleets, and mobile equipment washing.
Building Exterior Cleaning
Exterior walls, awnings, signs, entryways, loading areas, and multi-story commercial buildings.
Graffiti Removal
Pressure washing and specialty cleaning for graffiti, stains, paint, and surface contamination.
HOA & Property Maintenance
Recurring exterior cleaning for apartment communities, HOAs, property managers, and condominium associations.
Industrial Pressure Washing
Warehouses, equipment yards, industrial facilities, machinery areas, and heavy-duty cleaning operations.
Insurance Each Contractor Should Consider
1.🧰 General Liability
Protects against third-party injuries and property damage caused by your operations at the job site or completed work.
Most clients and GC contracts require this before you even step on-site.
2.🛠 Tools & Equipment Coverage
Covers handheld tools, trailers, and mobile equipment used in your daily operations—whether at the site, in your truck, or in storage.
Protects your gear from theft, fire, and vandalism.
3.🚧 Workers’ Compensation
Pays for injuries or illness on the job—including lost wages, medical care, and rehabilitation for your crew.
Legally required in most states if you hire employees or subs.
4.🚚 Commercial Auto
Covers company vehicles and attached trailers used to transport tools, equipment, and workers to job sites.
Essential for pickup trucks, vans, or flatbeds used in your business.
5.📐 Contractor’s E&O (Errors & Omissions)
Protects against claims of faulty work or failure to deliver services as promised—especially important for design-build contractors or consultants.
Can cover rework costs, legal defense, and settlements.
Contracting comes with risk—on ladders, in trenches, or on client property. These coverages are essential to protect your business, your crew, and your reputation.
💦 Real Pressure Washing Claims & Incidents
1. ⚠️ Worker Falls Through Skylight While Pressure Washing Roof
What happened: In February 2025, a worker was pressure washing the roof of a commercial building when he fell through an unguarded skylight approximately 25 feet to the floor below. The worker suffered fatal injuries.
The incident demonstrates how pressure washing operations can quickly create serious fall exposures when contractors work on roofs, elevated surfaces, ladders, or around skylights. Incidents like this can result in workers' compensation claims, OSHA investigations, and significant liability concerns.
Insurance exposure: Workers' compensation, employers liability, umbrella liability, and jobsite safety exposures.
Source: U.S. Department of Labor / OSHA [link]
2. 🔥 Pressure Washing Work Connected to Deadly Refinery Fire
What happened: A lawsuit filed following a deadly refinery fire alleged that pressure washing work was being performed around industrial equipment containing flammable hydrocarbons prior to the incident. One worker was killed and several others were injured.
Pressure washing contractors working in industrial facilities may encounter significantly greater hazards than a typical residential or commercial cleaning operation, including combustible materials, hazardous equipment, restricted areas, and contractual liability requirements.
Insurance exposure: General liability, workers' compensation, umbrella liability, contractual liability, and industrial jobsite exposures.
Source: KXII News [link]
3. 🪜 Worker Falls 15–20 Feet While Pressure Washing Building
What happened: OSHA documented an incident involving a worker pressure washing the exterior of a two-story commercial building from an extension ladder. The worker fell approximately 15 to 20 feet and struck the pressure washing equipment below.
The equipment subsequently caught fire, and the worker reportedly suffered severe burns, amputations, vision impairment, and a fractured vertebra. OSHA noted that operating the pressure washer while positioned on the ladder was contrary to the manufacturer's instructions.
Insurance exposure: Workers' compensation, employers liability, equipment-related injuries, fall exposures, and OSHA compliance.
Source: U.S. Department of Labor / OSHA [link]
4. 💧 Water Intrusion Causes $35,000 in Property Damage
What happened: Consider a pressure washing contractor hired to clean the exterior of a commercial building. During the cleaning process, water is forced behind aging siding and through poorly sealed areas around several windows.
Water enters the building and damages drywall, flooring, office furniture, and electronic equipment. The property owner alleges that excessive pressure caused the damage and seeks approximately $35,000 for repairs and replacement costs.
Even when pre-existing deterioration contributes to the loss, the pressure washing contractor may still have to defend against a property damage claim.
Insurance exposure: General liability, third-party property damage, completed operations, and potential legal defense costs.
Frequently Asked Questions
1.Is general liability required for contractors?
Yes. Most states and clients require contractors to carry general liability insurance to cover job site accidents and property damage.
2.Do subcontractors need to be insured separately?
Yes. Subcontractors should carry their own liability and workers' comp policies, and you should request certificates from them.
3.What happens if I damage a client's property?
Your general liability policy can cover the cost of repair or replacement if you're responsible for damaging the client's home or items.
4.Is my trailer or tools covered on the job site?
Standard property policies may not cover equipment on-site. Inland marine coverage protects tools, machinery, and materials in transit or on the job.
5.Can I get coverage if I’ve had claims in the past?
Yes. We work with carriers that specialize in higher-risk contractors and will review your claims history to find the right fit.
6.How quickly can I get a certificate of insurance (COI)?
In most cases, same day. Once your policy is active, we can provide COIs for project bids and compliance.
7.Do I need workers’ compensation if I’m a solo contractor?
Possibly. Some states require workers’ comp even for sole proprietors or 1099 workers. It depends on your state’s laws and the contracts you sign.
8.How much does contractor insurance cost?
Pricing varies by trade, location, payroll, and coverage type. Most small contractors pay between $900–$3,000/year for general liability alone.
9.What if my policy is canceled or non-renewed?
We can help. Our agency works with multiple carriers and can often find replacement coverage even for hard-to-place businesses.
10.Do you cover general contractors and specialty trades?
Yes—we insure GCs, electricians, plumbers, painters, HVAC, remodelers, and more with policies tailored to each trade’s risks.
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Optional Document Uploads for Faster Quotes
Current Insurance Declarations (Dec Pages)
Completed ACORD Applications
Loss Runs (Last 3–5 Years)
Vehicle Schedule (with VINs)
Property Details (roof age, occupancy, protective devices)
Certificate of Insurance (COI)
Business Overview or Description