Pressure Washing Insurance in Pennsylvania
Pennsylvania has no state-mandated coverage for pressure washings on record, but the recommended coverages below still apply.
Pennsylvania handles pressure washing insurance through the private market, with workers' comp mandatory the moment you take on staff.
The detail that sets Pennsylvania apart for anyone handling other people's animals is liability: the state follows a mixed standard when a dog bites, which is exactly why the coverage priorities below look a little different here than they would a state over.
How Pennsylvania regulates pressure washings
Workers' comp · Private market
Pennsylvania requires workers' compensation from the first employee, with very narrow exemptions. Sole proprietors with no staff aren't required to carry it — though many boarding facilities, apartment complexes, and corporate clients will still ask a pet-care contractor for a certificate before letting them work.
Dog-bite liability · Mixed
3 P.S. § 459-502 (Pennsylvania Dog Law)Under Pennsylvania's Dog Law, a dog's owner or keeper is strictly liable for the medical costs of a bite regardless of fault; recovering additional damages such as pain and lost wages requires proving negligence or that the dog had known dangerous propensities. A pet-care handler in control of the dog can be treated as its “keeper” for this purpose.
Licensing & permits
Pennsylvania is distinctive for its statewide kennel license: anyone who keeps, boards, or transfers 26 or more dogs in a calendar year must be licensed by the Bureau of Dog Law Enforcement (PA Department of Agriculture). That directly affects boarding sitters and daycare operators. Trainers and walkers below the threshold aren't licensed by the state.
SOURCE · State statutes & regulators as cited · Last reviewed 2026-07
Pennsylvania coverage requirements
No state-mandated coverage is on record for pressure washings in Pennsylvania. See the national checklist below for recommended policies.
State regulator: Pennsylvania Insurance Department
Coverage checklist
| Coverage | Requirement | Annual cost |
|---|---|---|
| Commercial AutoCA | Required | $1,100–$2,600/yr |
| General LiabilityGL | Required | $440–$880/yr |
| Inland Marine / Tools & EquipmentIM | Recommended | $250–$900/yr |
| Business Owner's PolicyBOP | Optional | $500–$1,500/yr |
| Commercial PropertyCP | Optional | $500–$2,200/yr |
| Professional Liability / E&OPL/E&O | Optional | $500–$1,200/yr |
Cost breakdown
- ·Number of work vehicles
- ·Driving radius
- ·Vehicle type
Required for work vehicles; personal auto policies exclude business use.
- ·Crew size
- ·Residential vs. commercial
- ·Revenue
Required by most trade licenses and general contractors before you can bid work.
- ·Tool value
- ·Vehicle storage
Covers tools and equipment stolen from a job site or vehicle.
- ·Shop value
Worth it if you lease a shop or store significant inventory.
- ·Building ownership
Only if you own or lease a shop/warehouse.
- ·Design/engineering work
- ·Contract values
Relevant if you provide design or engineering specs, not just installation.
Best carriers for pressure washing
Pressure Washing insurance in Pennsylvania — FAQ
Do pressure washings need workers' comp in Pennsylvania?+
Yes — Pennsylvania requires workers' comp from your first employee. Solo pressure washings with no staff are generally exempt until they hire.
If a dog in my care bites someone in Pennsylvania, am I liable?+
Under Pennsylvania's Dog Law, a dog's owner or keeper is strictly liable for the medical costs of a bite regardless of fault; recovering additional damages such as pain and lost wages requires proving negligence or that the dog had known dangerous propensities. A pet-care handler in control of the dog can be treated as its “keeper” for this purpose. That's why general-liability and animal-bailee coverage are worth prioritizing for pressure washings working in Pennsylvania.
Do pressure washings need insurance?+
Yes. The main policies pressure washings need are general liability and commercial auto.
How much does pressure washing insurance cost?+
A typical pressure washing can expect to pay general liability runs $440–$880 per year, professional liability $500–$1200, and commercial auto $1100–$2600 per vehicle. Total annual premiums for a small operation usually range from $1,500 to $8,000 depending on coverage choices, revenue, and number of employees.
What does general liability cover for a pressure washing?+
General liability covers third-party bodily injury and property damage — for example, if a customer is injured on site or you accidentally damage a client's property. It does not cover your own injuries or professional errors (those need workers' comp and professional liability).
Do pressure washings need professional liability insurance?+
In many cases, yes — professional liability covers claims that a mistake or omission in your work caused a client financial harm. It's worth considering if you have contracts with defined deliverables.
Does my personal auto insurance cover my pressure washing business?+
No — personal auto policies typically exclude business use. If you drive a vehicle for work (transporting equipment, visiting clients, making deliveries), you need a commercial auto policy.
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