Pressure Washing Liability COI Checklist

Business: ________________ Customer: ________________ Job type: ________________ Job location: ________________ Certificate due date: ________________ Contract date: ________________

Use this checklist with the customer's contract or vendor insurance requirements. A certificate of insurance shows evidence of coverage, but it does not add coverage by itself.

• Confirm the named insured matches the legal name the customer hired: ________________.
• Confirm the certificate holder name and mailing address match the customer's instructions: ________________.
• Confirm the policy dates will be active for the planned work and any required closeout period.
• Confirm the general liability per occurrence limit matches the contract requirement.
• Confirm the general liability aggregate limit matches the contract requirement.
• Confirm the job description does not misstate the work: ________________.
• Confirm any required workers compensation or commercial auto coverage is listed only if the customer requested it and the policy is active.
• Confirm the certificate does not promise wording that is not supported by the policy or endorsement.

• Additional insured: Check whether the contract requires ________________ to be added for liability arising out of your pressure washing work.
• Primary and noncontributory wording: Check whether the contract requires your general liability policy to apply before the customer's policy for covered claims.
• Waiver of subrogation: Check whether the contract asks the insurer to waive recovery rights against the customer after a paid loss.
• Completed operations: Check whether the customer requires additional insured wording after the job is finished.
• Ongoing operations: Check whether the customer requires additional insured wording while the work is being performed.
• Specific endorsement forms: If the contract names a form or edition date, ask your insurance contact whether your policy can provide matching wording.
• Remove any endorsement request from this checklist if the contract does not require it.

• Ask how the policy treats accidental damage to the exact surface being cleaned, such as siding, concrete, windows, paint, or landscaping.
• Ask whether chemical use, roof soft washing, runoff, storm drains, or degreasing work changes the coverage review.
• Ask whether the job involves driveways, sidewalks, parking areas, building exteriors, fleet washing, construction cleanup, or equipment cleaning so the work is classified correctly.
• Ask whether subcontractors need their own certificates, additional insured wording, written agreements, or waiver of subrogation wording.
• Ask whether the customer's limits are higher than your current policy limits and whether umbrella or excess liability is needed for this job.
• Keep the contract, certificate, endorsements, and customer approval email with the job file.

Send these details with your certificate request:

Customer name: ________________ Job type: ________________ Job location: ________________ Certificate due date: ________________

Questions to include:

• Does the current policy support the additional insured wording the customer requested?
• Does the current policy support primary and noncontributory wording if the contract requires it?
• Does the current policy support a waiver of subrogation if the contract requires it?
• Does the current policy include completed operations wording if the contract requires it?
• Are there pressure washing exclusions, surface damage limitations, pollution exclusions, or chemical use restrictions that affect this job?