Pressure washing insurance in Florida, one policy package for the whole operation. General liability for the work, commercial auto for rigs, tanks, and trailers, coverage for pumps, surface cleaners, and chemical tanks, and workers comp when you have a crew. We shop 80+ carriers and know what Florida contracts demand from pressure washing businesses.
Brown Insurance Services is a Florida agency in Seminole, licensed in 39 states. Real people answer, and we re-shop your package before every renewal.
Most pressure washing businesses carry a policy that covers half the operation and call it done. The claim that closes a shop is almost never the one the cheap policy covered. For pressure washing crews, the real exposure is water intrusion and surface damage claims from the wand, and the policy package has to match it.
Coverage matters most when:
Rigs and trailers can cross into federal territory too. The FMCSA explains when a USDOT number applies to your work vehicles.
Property damage and injuries your work causes, the coverage every contract asks for first and the base of your package.
Rigs, tanks, and trailers on a business policy, because a personal auto policy can deny a claim the moment the vehicle works for the business.
Pumps, surface cleaners, and chemical tanks, covered on the truck, on the site, and in transit. This is inland marine coverage, and most operators find out they need it after a theft.
Required in Florida for construction businesses with one or more employees, and for non-construction at four. Exemptions exist but they are narrower than most owners think.
Extra limits over GL and auto when a contract demands $2M or more, cheaper than raising every base limit.
Shop, office, or yard coverage bundled with GL, often the most cost-effective structure for an established operation.
We write pressure washing coverage across the state, with deep roots in Tampa Bay. Find your city: Seminole, St. Petersburg, Clearwater, Largo, Pinellas Park, Palm Harbor, and more as we build out.
Answers to the questions Florida pressure washing businesses ask most.
It depends on crew size, payroll, your rigs and trailers, the value of your equipment, and the limits your contracts require. A one-person operation costs far less than a multi-crew company. Because we shop 80+ carriers, a quick quote beats any online estimate.
Almost always general liability first, usually $1M per occurrence, plus proof of commercial auto and workers comp or a valid exemption. Larger accounts add umbrella limits. We read the contract language and match the certificate to it.
Most pressure washing work is non-construction class, which allows up to three employees before Florida requires workers comp, but work tied to construction sites can cross the line at one employee. We will tell you straight which side of the line you are on.
No. GL covers damage you cause to others, not your own pumps, surface cleaners, and tanks. Tools and equipment coverage is separate, it is inexpensive, and it is the claim operators actually file most often.
Yes, and it usually saves money. GL, commercial auto, equipment, work comp, and umbrella in one package, one renewal conversation, one agent who knows pressure washing.
Pressure washing insurance in Florida built for the work, priced across 80+ carriers, with certificates ready when the job cannot wait. See what the right package costs.
