Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
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813-302-7151
813-302-7151
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We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
We serve clients across Florida and work with multiple insurance carriers to help individuals, families, and business owners compare coverage options that fit their state and industry requirements.
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
A pressure washing rig is a job site on wheels. A pickup might tow a trailer carrying a water tank that holds a few hundred gallons, a hot or cold water unit with its own engine, hose reels, a surface cleaner, a soft wash pump and jugs of chemicals. One day the crew washes driveways in a subdivision. The next day it soft washes a roof or cleans a gas station canopy at 5 a.m.
We help Florida pressure washing and soft washing owners describe that operation the way underwriters need to see it: the truck, the trailer, the equipment on it, the chemicals, the drivers, and what happens to the wash water after it leaves the surface.
Map the rig before we talk about the policy
Start with photos of every side of the rig and a list of what’s on it: the truck, trailer, tank, washer and engine, reels, surface cleaners, ladders, pumps, generator and chemical containers. Mark which parts are bolted down.
Then think about weight. Water weighs a little over 8 pounds a gallon, so a full 300-gallon tank adds about 2,500 pounds before you count the tank, the skid unit and the hoses. A half-full tank without baffles can surge forward in a hard stop. Make sure the pickup’s towing capacity and the trailer’s rating cover the loaded weight, and that the hitch, safety chains and trailer brakes are right for it.
We will also ask:
- Do you haul the tank full, partly full or empty?
- Do you use the customer’s water, carry your own or both?
- Who tows the trailer and backs it into driveways and parking lots?
- Where are the truck, trailer and chemicals kept overnight?
- Is the work residential, commercial, roofs, fleet washing or a mix?
- How many stops a day, and how far is your farthest job?
Truck, trailer, equipment and work are separate
A skid unit, tank and reels bolted to a trailer are worth a lot more than the trailer alone. List them with purchase invoices, serial numbers and photos, and report new equipment before a loss, not after. Our guide on adding a vehicle, trailer or equipment explains why.
Each part of the business is its own question. The auto policy handles liability when you cause a crash and physical damage to the vehicles you list. A pump that fails on its own is an equipment question, not a collision. A stained driveway, a cracked window or a damaged roof from the work itself is a general liability question. Tools and removable equipment usually need inland marine or equipment coverage.
“Full coverage” doesn’t settle any of this. List each risk and ask which policy is meant to handle it.
Runoff, chemicals and pollution
Many of the problems in this trade have nothing to do with driving. Wash water carrying detergent, the bleach used for soft washing, oil from a driveway or old paint chips can kill a customer’s landscaping, spot a neighbor’s car, or run into a storm drain or pond.
Most general liability policies include a pollution exclusion. Depending on the wording, damage from chemicals or dirty runoff may be excluded or only partly covered. Some carriers offer limited pollution coverage for cleaning contractors, and contractors pollution liability is also sold as a separate policy. Ask which one applies before you take on soft washing, fleet washing, restaurant or parking garage work.
On the job, a few habits help: protect storm drains, pre-wet plants and rinse them after, keep chemicals in closed containers strapped down in the truck, and know where your wash water goes. Your city or county may have its own rules on what can go into a storm drain, so check with the local stormwater office.
A typical two-stop day
Picture an owner and one technician with a pickup towing a pressure washing trailer. The morning job is a home driveway using the customer’s water. The afternoon job is a storefront that asks for a certificate of insurance and an early start before the shop opens.
For that business, we would list both drivers, the hitch and trailer, the rig’s value, the chemicals carried and the storefront contract. We would ask whether the technician takes the rig home, whether the pickup is used for personal errands and where chemicals are stored at night. If you add roof soft washing or fleet washing later, tell us. Height, surfaces, customer vehicles and chemicals all change the risk.
Helpers, new hires and personal vehicles
A helper who drives the rig even once in a while needs to be on the driver list. Keep a file for each driver with the license, a motor vehicle record and the vehicles they may drive. When you add seasonal help, run the same process before handing over the keys.
Employee cars are a separate question. A worker might use a personal pickup for an estimate or a chemical run. That car doesn’t become a company vehicle, and non-owned auto coverage generally protects the business, not the worker’s car. Read employee-owned vehicles used for business before those errands become routine.
If a subcontractor brings a separate rig, get a written agreement and their certificate of insurance. Know whether they work for you or for the customer. A 1099 label alone doesn’t decide whose insurance applies.
Contracts and commercial accounts
Property managers, HOAs, builders, storefronts and fleet customers may ask for a certificate of insurance, additional insured status, a waiver of subrogation or certain limits. Send us the full insurance section before the first job. A certificate shows what the policy has; it can’t add coverage the policy lacks. See certificates of insurance and contract requirements.
A new account can change your risk even if the rig stays the same. It might mean night work, washing near customer vehicles, or new surfaces and chemicals.
What to send us for a quote
- Business name and how your work splits among residential, commercial, roof and fleet washing
- Driver list, license numbers and take-home rules
- Vehicle and trailer list with VINs, values, weights and where they are parked
- Photos of every side of the rig
- Tank size and how full you usually haul it
- Equipment list with serial numbers and purchase records
- Chemicals you use, how you store them, and how you handle spills and runoff
- Normal daily stops and your service area
- Any employee-owned, rented or borrowed vehicles
- Customer contracts and certificate requirements
- Current policy declarations and loss runs
Frequently asked questions
Is the washer covered because it is bolted to the trailer?
Not automatically. Being bolted down is a reason to list the unit and its value, not proof of coverage. Ask how the auto, trailer and equipment coverage each treat it.
Does commercial auto cover damage to a customer's driveway or roof?
No. Damage caused by the work is a general liability question, not an auto one. The cause and the policy wording decide how it is handled.
What if our runoff kills a customer's plants or reaches a storm drain?
Many general liability policies have a pollution exclusion, so chemical or runoff damage may be limited or excluded. Ask about pollution coverage for cleaning contractors before you start soft washing or commercial work.
Can we tow the trailer with any insured pickup?
Don’t assume so. List every towing vehicle, driver, hitch and trailer, and make sure the pickup is rated for the loaded weight, including a full tank.
Should we tell you before adding roof soft washing?
Yes. It changes the work, the height, the chemicals and the property you could damage. Tell us before you rely on an application that described only ground-level work.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help business owners across Tampa Bay and central Florida find commercial auto, general liability, workers’ compensation, and related business coverage that matches how they actually operate, comparing options across the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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Tell us about your vehicles, drivers and the work you do, and we will come back with real options. Call or text 813-302-7151.
