Cleaning Insurance

Pressure Washing Insurance

Coverage built around pressure washing operations — residential, commercial, and fleet.

What this coverage is intended to address

✓Third-party bodily injury and property damage during pressure washing
✓Damage to a customer's siding, paint, screens, fixtures, or landscaping from high-pressure water
✓Slip-and-fall allegations from wet surfaces left after cleaning
✓Tools, surface cleaners, and rigs (when scheduled on the policy)

Important: Coverage terms, eligibility, and pricing are determined by the carrier and vary by state and individual circumstance. The information on this page is general and educational — nothing here implies, affords, or offers any specific insurance coverage. Review the actual policy form and consult a licensed insurance professional before binding.

Coverage products commonly considered

Most pressure washing operations consider one or more of these coverage types:

General Liability

Janitorial Bond / Fidelity

Workers Compensation

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

A pressure washer damages siding or a window screen during a residential job. The general liability policy is generally intended to respond to allegations of this nature in the event of a covered claim.
A customer slips on a wet driveway after washing. General liability is generally intended to address allegations of this type.

Frequently asked questions

Does this cover kitchen hood / exhaust / grease-trap cleaning?

Commercial hood and exhaust cleaning — sometimes called fire-suppression or grease-trap work — carries a very different risk profile (fire, oil disposal, confined-space) than residential pressure washing. Standard pressure-washing policies typically exclude it. A specialty application and carrier is generally required for this work.

What about damage from chemicals and surfactants?

Damage to adjacent surfaces or landscaping from chemicals is sometimes excluded or limited. Disclose all chemicals used on the application.

Do I need commercial auto?

If you drive to jobs in a work truck, commercial auto is generally required. Personal auto policies typically deny commercial-use claims.

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