Pressure Washing Business Insurance Coverage Checklist
The coverages a pressure washing business business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for pressure and soft washing businesses. Priorities reflect typical exposure; confirm against roof and commercial work.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Commercial General Liability (incl. Products-Completed Operations) | Covers injuries and damage during work and after it's finished. | Core | |
| Pollution Liability | Covers chemical runoff and wash-water discharge — excluded from GL. | Prevalent | |
| Workers' Compensation | Required in most states. | Core | |
| Commercial Auto | Covers trucks and trailers — confirm trailers and attached equipment are included. | Core | |
| Contractor's Equipment / Inland Marine | Covers mowers, trailers, and tools. | Prevalent |
The coverage gap most often missed
The most commonly missed gap for this class is pollution coverage for runoff. Wash water with detergents, bleach, or grease that reaches storm drains can bring clean-water enforcement and cleanup costs, and general liability excludes pollution. Washers should contain or reclaim wash water, protect plants during soft washing, and photograph existing damage before starting.
Send us the checklist and we'll review your pressure washing business coverage line by line, then market it across multiple carriers that compete for your account.
Related: Pressure Washing Business Insurance · Pressure Washing Business Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a pressure washing business business need?
The core coverages for a pressure washing business business are Commercial General Liability (incl. Products-Completed Operations), Workers' Compensation, Commercial Auto. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my pressure washing business coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.