Pressure washing insurance in Florida

Water pressure is powerful. Here’s what I’d ask about.

• The spray gouges soft siding or lifts paint off a wall. Ask about general liability.
• Water forces its way past a window seal and soaks the room inside. That’s a general liability question.
• Overspray or runoff stains a neighbor’s car or kills a customer’s landscaping. Ask me about general liability and what it covers.
• A helper slips on a wet driveway and hurts a knee. Ask about workers’ compensation.
• Your trailer with the pump and tank is stolen from the driveway. Ask about tools and equipment coverage.

In Florida, construction businesses generally need workers’ comp once they have one or more employees, and other businesses generally need it at four or more employees. The Florida Division of Workers’ Compensation has the official rules.

• General liability. This responds to injury or damage you cause to others while you clean.
• Workers’ compensation. This covers employees hurt on the job, and the rules depend on your work and how many people you have.
• Tools and equipment. Ask about pumps, surface cleaners, hoses, tanks and your trailer, and what limits the company sets.
• Commercial auto. If you tow your rig to jobs, ask me about it.

Here’s my short list.

• What you clean, such as homes, driveways, roofs or commercial lots, and what you won’t
• Your yearly revenue
• Payroll and number of employees
• Any subcontractors
• Prior claims
• What a customer or contract is asking you to carry
• When you need coverage to start