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Roof Cleaner Insurance

What’s in roof cleaner insurance?

Think of it as a tight, smart bundle that keeps your crew, clients, and cash flow safe while you’re up there fighting moss and mildew. Roof cleaner business insurance typically combines general liability, property coverage for your gear, and workers’ comp, with options for commercial auto, tools & equipment, and pollution liability.

You’re working at height, near skylights, gutters, solar panels, and prize rose beds. One slip, one splash of sodium hypochlorite on a neighbor’s Audi, and suddenly the job smells more like trouble than bleach. 

General Liability For Roof Cleaning

General liability is your day-to-day shield against third-party injuries and property damage. If a client trips on your hose, if runoff stains a client’s siding, or if wind catches your ladder and dents a parked car, this coverage pays for injuries, repairs, and legal defense. For roof cleaners, it also addresses personal and advertising injury (think online reviews and marketing missteps). Most contractors carry at least $1M per occurrence with a $2M aggregate; larger crews or HOA work often require higher limits. Add primary & non-contributory wording and waiver of subrogation when property managers ask. Pair it with an optional contractors’ E&O if you’re giving surface treatment recommendations or offering roof life-extension “reports.”

Claim Example: What’s Covered?

  • Overspray streaks a client’s stucco and windows.
  • A visitor slips on a wet walkway while you’re rinsing.
  • A ladder falls and damages gutters and a pergola.
  • Your ad mistakenly uses a competitor’s photo and they sue.
  • HOA contract requires additional insured; a claim hits your policy.

BOP Coverage for Roof Cleaners

A Business Owners Policy (BOP) marries general liability with property coverage for your business stuff—soft-wash rigs, surface cleaners, pumps, hoses, tanks, tablets, and office gear—plus business income for covered shutdowns. If a break-in empties your trailer or a small shop fire sidelines operations, the BOP steps in to repair/replace property and replace lost income while you regroup. Add an equipment floater (inland marine) so mobile gear is protected on the truck, at the job, and back at the yard. Many roof cleaners tack on hired/non-owned auto if crews use personal vehicles for supply runs, and data breach if you store client cards.

Claim Example: What’s Covered?

  • Theft of soft-wash rig and hose reels from your locked trailer.
  • Fire in your unit damages pumps, spare nozzles, and laptops.
  • Power surge fries your proportioner and office printer.
  • Vandalism to your storage unit before a big HOA weekend.
  • Covered loss shuts you down for a week; business income kicks in.

Workers’ Compensation For Roof Cleaners

Workers’ comp covers medical bills and lost wages for employees hurt on the job. Roof cleaning mixes ladders, slippery shingles, and strong cleaners—a rough combo. Most states require coverage once you hire employees; some let owners opt in. Beyond paying claims, a good policy connects injured techs with prompt care and return-to-work planning. Make sure to have solid jobsite training, fall protection, and heat-illness plans in place to lower costs over time. Subcontracting? Verify their workers’ comp, or the risk can bounce back to you at audit.

Coverage: Emergency room or urgent care and other medically required treatments. Ambulance transport. Partial income losses from extended recovery times. Rehabilitation and retraining if the employee isn't able to continue working in the roofing field.

Importance: Required in most states; it protects your people and your business from employee injury claims.

Claim Example: What’s Covered?

  • Tech slips on wet algae and sprains an ankle.
  • Heat exhaustion on a 98°F roof requires ER treatment.
  • Ladder misstep leads to a fracture and physical therapy.

What Else do Roof Cleaners Need

Commercial Auto: Covers your trucks and trailers used for hauling tanks, reels, and ladders. Add trailer coverage and higher liability limits if you pull rigs through busy neighborhoods.

Tools & Equipment (Inland Marine): Protects pumps, pressure washers, soft-wash systems, reels, hoses, wands, and safety gear wherever they go. Include rental reimbursement so you can keep jobs moving after a loss.

Excess/Umbrella Liability: For when something happens that causes you to exceed the coverage limits on your general liability, auto, or employer's liability coverage. It's also especially helpful for HOA, property manager, and commercial work that requires higher certificates.

Contractors’ E&O (Professional Liability): If you give advice about cleaning methods or stain treatments, or if you provide estimates about how long a roof should last, this covers claims tied to your recommendations or service errors.

Commercial Property: Many roof cleaning companies keep products, tools, and work equipment stored somewhere. Some even rent a small workshop area so they can take calls or walk in clients. This coverage is to protect that property. It protects the structures, inventory, tools, or materials stored there, office equipment, and similar items if they're damaged by something like a sprinkler leak, bad storm, or lost due to theft.

Bonds & Contract Endorsements: Some HOAs require performance bonds, per-project aggregate, primary & non-contributory, waiver of subrogation, and additional insured status. Have a broker who can issue same-day COIs.

Roof Cleaner Insurance FAQs

How much is roof cleaner insurance?
 Most solo operators see GL starting a few hundred dollars a year; packages with BOP, inland marine, auto, and workers’ comp scale with crew size, payroll, vehicles, claims history, and ZIP code.

How do I buy roof cleaner insurance?
 Share your operations (soft-wash vs. pressure, heights, chemicals), payroll, vehicles, equipment values, and prior losses. We quote multiple carriers and bind the best fit—often same day.

What is a certificate of insurance (COI)?
 A snapshot of your active coverage and limits. We issue COIs quickly with job-specific wording when needed.

Are subcontractors covered under my policy?
 Not automatically. Collect their COIs with matching limits and endorsements, or your audit and exposure can spike.

What limits should I carry for HOA work?
 Common asks: $1M/$2M GL, $1M auto, workers’ comp as required, plus umbrella ($1–$5M) and additional insured language.

Will a homeowners policy cover damage caused by my crew?
 No—your liability policy should respond. Homeowners insurance protects the owner’s property, not your operations.

Can I get a COI today for a last-minute job?
 Yes. With an active policy and job details, we can issue same-day certificates—often within minutes.

Why Choose USA Insurance

You want a broker who knows roofs, hoses, and HOA fine print. USA Insurance delivers 99% customer satisfaction and deep commercial know-how. Licensed nationwide with local insight from Burbank, CA, we protect roof cleaners, contractors, retailers, manufacturers, and service shops with custom plans—not guesswork.

  • Nationwide licensing, fast turnarounds
  • Tailored coverage by trade and size
  • Proactive renewals for sharper rates
  • Competitive plans for contractors and shops

We’ll treat your business like it’s ours. Let’s quote it today.

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