Street Sweeping Insurance Coverage Checklist
The coverages a street sweeping 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 street, parking lot, and construction sweeping contractors. Priorities reflect typical exposure for this class; confirm against your actual routes and contracts.
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 Auto | Covers sweepers and support trucks — the main source of serious claims. | Core | |
| General Liability | Covers damage to lots, curbs, landscaping, and parked cars. | Core | |
| Workers' Compensation / Employer's Liability | Covers operators working in traffic and at night. | Core | |
| Contractor's Equipment (Inland Marine) | Covers sweepers and attachments against fire, theft, and damage. | Core | |
| Contractual Liability | Confirms indemnities in city and property manager contracts are covered. | Prevalent | |
| Umbrella / Excess Liability | Adds the limits municipal contracts often require. | Prevalent | |
| Pollution Liability | Covers debris, oil, and wash water reaching storm drains. | Situational | |
| Hired & Non-Owned Auto | Covers employees driving their own vehicles for work. | Situational | |
| Property / Yard & Shop | Covers the shop, yard, and spare parts. | Situational | |
| Performance Bonds | Meets bond requirements on public sweeping contracts. | Situational |
The coverage gap most often missed
The gap most often missed by sweeping companies is how serious a sweeper crash can be. Slow-moving sweepers backing up near pedestrians or working in traffic at night create large injury claims — a Bellevue company settled a backing-sweeper death for $4 million. Auto limits that seem fine for pickups may not be enough. Check that your auto and umbrella limits match your contracts, and that every sweeper has cameras, alarms, and lights.
Send us the checklist and we'll review your street sweeping coverage line by line, then market it across multiple carriers that compete for your account.
Related: Street Sweeping Insurance · Street Sweeping Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a street sweeping business need?
The core coverages for a street sweeping business are Commercial Auto, General Liability, Workers' Compensation / Employer's Liability, Contractor's Equipment (Inland Marine). 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 street sweeping 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.