Most pressure washing businesses start with general liability, because it responds to common claims like property damage, overspray issues, and slip-and-fall allegations. If you drive a work truck or pull a trailer, commercial auto is typically required. Many pros also add tools and equipment coverage since replacing a washer, reels, and accessories can get expensive fast. If you hire help, you may need workers’ comp, and some clients will ask for higher limits or additional insured status in your certificate of insurance.