Insurance for the spray-and-shine trades
Not a generic business policy with your trade scribbled in the margin. WashCover is insurance shaped around how you actually work — on other people's property, with expensive equipment, driving a loaded rig.
A service of Patriot Independent Insurance Partners · Licensed in TX, FL, GA, SC, AL, NC, MS, CA, CO
The trades we cover
Every trade below works on someone else's property with water, chemicals, or vehicles involved. That's exactly the risk profile WashCover is built for.
Driveways, siding, decks, fences, commercial flatwork. High-pressure water strips grime fast — and can strip paint, etch concrete, or force water where it shouldn't go. Your policy needs to understand the tool, not just the business name.
Roofs, siding, gutters, and commercial exteriors cleaned with low pressure and detergents. Different method, different risks — chemical runoff, landscaping damage, and working at height all belong in the conversation when you get covered.
You drive to the customer and work on vehicles worth tens of thousands of dollars. Buffers burn paint, chemicals stain interiors, and your van full of gear is a target. Detailing needs care-of-others'-property thinking baked in from day one.
Coverages
Plain English, no fine-print ambushes. Your licensed agent walks through every line before you bind.
The foundation. Covers third-party bodily injury and property damage from your operations — the customer who slips on a wet driveway, the window you crack with a 0° tip.
Heads up: when you're working on someone's property, standard GL has limitations around property in your care, custody, or control. We'll explain exactly where that line is for your trade — no legal advice, just straight talk before you sign.
Your washers, surface cleaners, tanks, hoses, water-recovery gear, and detailing equipment — covered in transit, on the job site, and in storage. Your rig is your livelihood; it gets its own line of coverage.
The moment your truck or van hauls equipment to a job, your personal auto policy typically stops covering it. Commercial auto covers the work vehicle and the trailer behind it.
Required in most states once you have employees — and many commercial clients won't let you on site without it. Solo with no employees? We'll tell you straight whether you need it in your state.
Pricing
We don't quote prices on this page — every operation is different, and a number here would be a guess. Here's what actually moves the needle, so there are no surprises:
How it works
Two minutes. Tell us your trade, your state, and how to reach you.
A real agent — not a call center script — reviews your operation and shops it across carriers that actually write exterior-cleaning risks.
Pick your limits, bind coverage, and get the certificate of insurance your customers and general contractors ask for.
Get a quote
No spam, no robocalls. A licensed agent replies — usually within one business day.
FAQ
Legally, it depends on your state — but practically, yes. Most commercial customers and property managers won't hire you without a certificate of insurance, and one damaged surface can cost more than a year of premiums. Solo operators are some of our most common customers.
That's exactly what general liability is for. Document what happened, don't admit fault on the spot, and call your agent right away so the claim gets filed correctly. We'll walk you through the process — it's part of the job, not the end of your business.
Almost certainly not. Once a vehicle is used to haul equipment to job sites — especially with a trailer — personal auto policies typically exclude it. You need commercial auto, and we'll make sure the trailer and gear are on it too.
Yes. Tell us your deadline in the quote form — a job that needs proof of insurance tomorrow gets prioritized. Once you're an active customer, additional certificates are quick.
Texas, Florida, Georgia, South Carolina, Alabama, North Carolina, Mississippi, California, and Colorado. Work across state lines? Mention it in the form and we'll sort out what that means for your policy.
Most carriers require a down payment to bind a policy — how much depends on the carrier and your payment plan. Your agent lays out every option in dollars before you commit. No surprises.