Licensed and Insured: What to Verify Before Hiring a Pressure Washer

Florida doesn't require a specific state license for general pressure washing the way it does for, say, electrical or plumbing work, which makes it easy for unqualified operators to set up shop with a truck and a rented machine. That's exactly why confirming pressure washing license and insurance details matters more here than the word "licensed" on a truck door might suggest.

What "licensed" actually means for pressure washing

Since there's no dedicated state pressure washing license in Florida, a company operating as a general business should at minimum hold a local business tax receipt (sometimes still called an "occupational license") from the county or city where they operate. If a company claims a special state pressure washing license, ask for specifics — it may be a general contractor license used for a different scope of work.

Insurance is the part that actually protects you

General liability insurance is the most important document to verify, because it covers damage to your property — a broken window, a cracked paver, a soaked electrical fixture — caused during the job. Ask for a certificate of insurance (COI) that names appropriate coverage limits, and don't hesitate to call the insurer listed to confirm the policy is active.

• General liability insurance — covers property damage during the job
• Workers' compensation — protects you if a worker is injured on your property, especially relevant if the company uses employees rather than subcontractors
• Business registration — confirms the company is operating legally, not just working out of a personal vehicle with no paper trail

Red flags to watch for

Questions to ask before booking

1. Can you send a certificate of insurance before the job?
2. Do you carry workers' compensation for your crew?
3. How long have you operated in this area, and can I see recent reviews?
4. What happens if something on my property is damaged during the job?

This applies whether you're booking a single driveway cleaning, a full house washing, or an ongoing contract for a commercial or HOA property.

Why this matters more for roof and multi-story work

Jobs involving roof cleaning or upper-story window cleaning carry higher risk of both property damage and worker injury, which makes verified insurance even more important than on a simple ground-level job.

What to do if something goes wrong

If damage does occur during a job, document it immediately with photos and contact the company in writing, not just by phone. A company with valid insurance should be able to file a claim or arrange repairs promptly. If a company becomes unresponsive or denies responsibility without justification, that's a strong sign the insurance situation you were told about may not have been accurate in the first place — which is exactly why verifying it upfront, before work begins, is worth the extra few minutes.

Keeping a copy of the certificate of insurance and the written estimate for your own records is a simple habit that protects you well after the job is finished.

Curt's Pressure Cleaning is fully insured and happy to provide documentation before any job starts. Request a free estimate or call (561) 566-8138 with any questions about our coverage.