Pressure Washing Contractor Insurance in New Jersey

Insurance Options for Pressure Washing Contractors

Whether you specialize in soft washing siding, pressure cleaning driveways, cleaning commercial façades, or power washing fleets and equipment, proper insurance protects your business from liability claims, injuries, and equipment losses.

General Liability Insurance

Helps protect your business if your work causes property damage or injury—for example, accidentally etching a client’s siding, damaging landscaping, or causing slip hazards from overspray. Completed operations coverage is key for power washing pros, particularly when surface damage or water intrusion issues appear after the job.

Workers’ Compensation

Essential for crews working on ladders, handling chemicals, and using high-pressure equipment. Workers’ comp helps pay for medical care and lost wages if an employee suffers a hose-kickback injury, slip, chemical burn, or fall. Required for most contractors with employees in New Jersey.

Tools & Equipment Coverage

Protects portable gear such as pressure washers, surface cleaners, hose reels, pumps, and trailer-mounted units. If equipment is stolen from your vehicle or damaged on-site, this coverage helps you repair or replace it quickly to avoid downtime.

Commercial Auto Insurance

Covers trucks, vans, trailers, and tank systems used to transport equipment and water. If a business vehicle is damaged in an accident, commercial auto helps cover repairs, liability claims, and medical expenses—keeping your routes moving and jobs on schedule.

Inland Marine / Contractor’s Equipment

Ideal for contractors with high-value mounted systems, water tanks, trailer rigs, or heated washing equipment. Covers tools and machinery in transit, at job sites, or temporarily stored off-premises.

Contractor’s E&O / Professional Liability

Helps protect you if a client claims your cleaning method, chemical selection, or surface prep advice led to damage or financial loss—for instance, recommending a soft wash solution that stains windows or harms vegetation.

Why Insurance Matters for Pressure Washing Businesses

Pressure washing involves powerful equipment, elevated job-site exposure, and the risk of property damage. A high-pressure stream can crack windows, strip paint, or drive water behind siding. Without the right insurance, even a small mistake can lead to major repair costs, legal issues, and lost business opportunities. The right coverage safeguards your reputation and helps you meet commercial, HOA, and property management contract requirements.

Which Pressure Washing Businesses Need Coverage?

Any contractor handling residential or commercial exterior cleaning work in New Jersey should carry insurance before stepping on-site. This includes:

• Power washing & soft washing specialists
• Roof cleaning contractors
• Deck & fence washing services
• Driveway, sidewalk & concrete cleaners
• Commercial facility & fleet washing providers

From single-truck operators to multi-crew exterior cleaning companies, proper coverage protects your operation and helps you scale safely.

Why Choose Keller Insurance

Keller Insurance understands the challenges power washing contractors face—from equipment theft and surface damage claims to commercial contract requirements and seasonal workloads. As a New Jersey-based agency with deep contractor experience, we build insurance programs that protect your business, support your growth, and keep your clients confident in your work.

FAQs

Is liability insurance required for pressure washing contractors in NJ?

While not always legally required, general liability is essential—and most property managers, HOAs, and commercial clients require proof of coverage before hiring.

Do subcontractors fall under my policy?

No. Subcontractors should carry their own insurance. We help you verify COIs and establish proper contract language.

Can I bundle my policies?

Yes. Bundling liability, workers’ comp, commercial auto, and equipment coverage can simplify administration and may help lower costs.