Pressure washing insurance in Spokane
Three thousand PSI aimed at someone else’s property. The damage claims are small individually and relentless in aggregate.
The damage is the job, done slightly wrong
Too much pressure, the wrong tip, or the wrong surface, and you have stripped paint off cedar or etched a stamped-concrete patio. These are not catastrophic claims but they are frequent, and frequency affects renewals as much as severity does. Written surface assessments and before-photographs are the cheapest risk management available in this trade.
Water intrusion is the expensive version
Driving water upward under lap siding, or into a window seal, puts moisture inside a wall where nobody sees it for months. The claim that arrives is mould remediation and interior repair, and it is considerably larger than the invoice for the wash. Carriers that write this class ask about technique and about whether you work on EIFS and stucco, which some exclude outright.
Runoff and the pollution exclusion
Detergents, degreasers and sodium hypochlorite reaching a storm drain is an environmental issue, and the standard general liability pollution exclusion can remove it. Washington’s stormwater rules apply to commercial washing, particularly for fleet and lot work. A limited pollution endorsement handles the insurance side; containment and recovery handle the regulatory side.
Biggest exposures for pressure washing
- Etching, stripping or gouging siding, decking and soft stone
- Water forced behind siding and into window seals
- Chemical runoff reaching storm drains and landscaping
- Falls from ladders and lifts on elevated work
Pre-filled for your trade. Two minutes.
Coverage
What pressure washing usually carry
General Liability
The baseline policy.
Read moreCommercial Auto
Coverage for the vehicles your business owns, leases, rents or asks employees to drive.
Read moreBusiness Owner's Policy (BOP)
General liability and commercial property bundled into one policy, usually for less than buying them separately.
Read moreWorkers' Compensation
Required in Washington for nearly every employer.
Read moreQuestions
Pressure Washing insurance FAQs
Yes, that is general liability property damage. What it will not cover is redoing your own work. Given how frequent surface-damage claims are, some operators carry a higher deductible and absorb the small ones to protect their loss history.
If you use chemicals or wash fleets and lots where runoff reaches a drain, it is worth having. The standard pollution exclusion can remove exactly that scenario, and a limited pollution endorsement is inexpensive.
Carriers care more about the chemicals and the surfaces than the pressure. Soft washing uses stronger solutions, which shifts the exposure toward runoff and plant damage rather than etching. Describe what you actually do so the policy matches it.
Other trades
We write these too
General Contractors
Registration, a bond, liability and workers’ comp — general contractors carry more moving parts than any trade we write, and the most contract-driven requirements.
Read moreRoofers
The hardest trade in construction to insure, and the one where carrier appetite narrows fastest.
Read moreElectricians
Low claim frequency, high claim severity.
Read morePlumbers
Every job you touch carries water, and water finds its way into places that cost far more to repair than the work you were paid for.
Read moreStart with your trade. We will take it from there.
Tell us what the business does and we will pre-select the coverage it normally needs, then compare carriers for you. About two minutes, no obligation.
Prefer to talk it through? Call (509) 944-0847.