FAQ_category: (HIDDEN) Industry FAQs

Absolutely! Even if liability insurance is not mandated by state law, most commercial clients and municipalities require proof of coverage before awarding contracts. This is especially true for jobs on public property or large-scale projects. 

• Licensing: Some jurisdictions require general liability or workers’ comp as part of a contractor license. 

• Contracts: Property managers, HOAs, and government agencies often require certificates of insurance before hiring. 

• Professionalism: Carrying insurance demonstrates responsibility and builds client trust. 

Having coverage is not just protection. It is often the difference between landing high-value contracts and losing business opportunities. 

Yes! With the right policies: 

• General Liability covers client property damage or third-party injuries (like slips on wet surfaces). 

• Workers’ Compensation covers employee injuries, which are common when handling high-pressure hoses or chemicals. 

• Equipment Coverage protects your washers, tanks, and sprayers from theft or accidental damage. 

• Commercial Auto extends protection if an accident occurs while transporting gear. 

Because pressure washers operate in high-risk environments, insurance makes sure a single accident doesn’t shut down the business. 

On average, Gilders pay between $500-$1200 a year for protection.   

Cost can vary depending on your: 

• Location 

• Size 

• Value of Equipment and Tools 

Gild will work with you to find the right tailored coverage that fits your budget and your needs. 

Pressure washing involves high-powered equipment, chemicals, and working on client property. The core coverages include: 

• General Liability – Protects against property damage, such as cracked siding, dented vehicles, or water damage caused during a job. 

• Workers’ Compensation – Required in most states if you hire staff; covers injuries like slips, high-pressure spray accidents, or chemical burns. 

• Commercial Auto Insurance – Covers trucks or vans used to transport power washers, tanks, and cleaning solutions. 

• Equipment Coverage – Protects mobile equipment from theft, fire, or accidental damage in transit. 

• Business Owner’s Policy (BOP) – Combines liability and property protection, often including business interruption coverage. 

• Workers’ compensation is legally required in most states if you hire employees. 

• Liability insurance is not always required by law but is often required by commercial clients and municipalities to win contracts. 

• Residential customers also expect proof of coverage, especially for larger or recurring jobs. 

Insurance not only helps with compliance but also demonstrates professionalism and protects your business reputation.