"Clean Every Surface. Cover Every Risk."
Protecting clients, equipment, and exterior cleaning operations
Pressure washing operations involve applying high-powered water and chemical solutions to clean exterior surfaces — buildings, vehicles, driveways, rooftops, and industrial equipment — across residential and commercial properties. From property damage caused by excessive pressure to chemical-related injuries and equipment theft, pressure washing risk is client-property-dependent, physically demanding, and deceptively technical. Whether operating a solo pressure washing business or a multi-crew exterior cleaning company, exposures can arise from the pressure applied, the chemicals used, the surfaces cleaned, or the environments worked in.
Properly structured insurance is essential to protect client property, crew safety, equipment investments, and the contracts that drive repeat business.
Key Risks in Operations
Property damage from excessive water pressure damaging surfaces, windows, or siding
Chemical damage from cleaning solutions causing discoloration or material harm
Third-party bodily injury at client properties during cleaning operations
Employee injuries from equipment use, working at heights, or slippery surfaces
Equipment theft from job sites or vehicles overnight
Water intrusion damage from pressure washing near windows or unsealed surfaces
Environmental liability from chemical runoff entering drains or waterways
Losses can arise even when the business is professionally managed.
Core Coverages
General Liability — Protects against bodily injury and property damage claims arising from pressure washing operations at residential or commercial properties.
Commercial Auto — Covers vehicles and trailers used to transport pressure washing equipment between job sites.
Inland Marine / Equipment Coverage — Protects pressure washers, hoses, surface cleaners, and specialty equipment from theft, loss, or damage on or off job sites.
Workers Compensation — Provides coverage for employee injuries from equipment use, chemical exposure, and working on wet or elevated surfaces.
Pollution Liability — Covers claims arising from chemical cleaning agents causing environmental harm through runoff or improper discharge.
Commercial Property — Protects shop space, chemical inventory, and business assets from covered physical losses.
Umbrella / Excess Liability — Provides additional limits for severe property damage or bodily injury claims on commercial or high-value residential accounts.
What's Commonly Overlooked
Insurance programs are often weakened by:
Missing pollution liability for chemical cleaning agents used on exterior surfaces
Inadequate property damage coverage for high-value surfaces like stucco, wood, or specialty siding
No inland marine for equipment left on trailers or at job sites overnight
Failure to cover employees under workers compensation for wet and elevated work environments
Gaps in auto coverage for trucks and trailers used commercially
Insufficient general liability limits for large commercial property contracts
These issues typically surface at claim time — not before.
High-pressure water strips paint or damages siding on a client's home
Cleaning chemicals discolor or damage an expensive commercial surface
A crew member slips on a wet surface and sustains a serious injury
Water intrusion through a window frame causes interior damage to a client's property
A pressure washer is stolen from an unlocked trailer overnight
Even a single claim can disrupt operations, damage client relationships, or impact cash flow.
Why Proper Placement Matters
Coverage varies significantly based on:
Residential vs. commercial account mix
Types of surfaces cleaned (concrete, wood, stucco, roofing, vehicles)
Use of chemical cleaning agents or soft wash systems
Crew size and equipment value
Whether work is performed at heights or on rooftops
Improper placement can lead to uncovered claims, contract losses, or regulatory exposure.
Our Approach
At Cory Washington & Co., we structure pressure washing insurance programs around the property-intensive, chemical-adjacent nature of exterior cleaning operations. We coordinate general liability, pollution, equipment, auto, and workers compensation coverage to protect every surface, every crew member, and every client relationship.
Clean results. Complete protection.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.