Core coverages in this program
- •General Liability with completed operations
- •Tools & Equipment / Trailer & Rig Coverage
- •Limited Pollution Liability
- •Workers' Compensation
- •Commercial Auto & Hired/Non-Owned Auto
- •Commercial Umbrella
The two claims that define this trade
First, water forced under siding, into window seals, or through a soffit produces interior damage and mold allegations weeks later. Second, wash water carrying detergent, paint chips, or grease into a storm drain is a regulated discharge in many municipalities, and cleanup or fines are excluded by the standard pollution exclusion. Restaurant hood, fleet, and parking-structure work make both scenarios far more likely.
What pressure washing insurance costs
Residential house washing is inexpensive; commercial flatwork, kitchen exhaust, and fleet washing rate higher because of runoff and contract limits.
| Operation | General liability $1M/$2M | Equipment coverage |
|---|---|---|
| Solo residential washing | $550–$1,100/yr | $250–$500 for $10K |
| Commercial flatwork / fleet washing | $1,200–$3,000/yr | $400–$900 for $25K |
| Kitchen exhaust / industrial cleaning | $2,500–$7,000/yr | Schedule rigs individually |
Need a COI for a contract?
Send us the contract's insurance requirements and we'll tell you exactly what coverage satisfies them — existing clients get same-day certificates.
Surface damage and soft washing
Etched concrete, stripped paint, damaged wood, and oxidized siding are care-custody-and-control claims that base general liability forms exclude. If you soft wash with sodium hypochlorite, disclose it — chemical application changes both the underwriting question set and the pollution wording. Written pre-job condition documentation with photos is the single best defense against a damage dispute.
Commercial contracts and compliance
Property managers, restaurants, dealerships, and municipalities generally require $1M/$2M general liability, additional insured status, a waiver of subrogation, workers' comp, and increasingly evidence of water-reclamation practices on parking-structure and drive-through work. Some municipalities require reclaim mats or vacuum recovery outright. KTL issues matching certificates the same business day for existing clients.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.