Colonial General Insurance Agency, Inc. offers a targeted Pressure Cleaning Insurance program for agents and brokers placing mobile and on-site pressure washing and related surface-cleaning operations. This program is designed to cover commercial and residential pressure washing of sidewalks, driveways, building exteriors and interiors, mobile equipment cleaning, and off-site auto detailing. Sandblasting using abrasive materials is also considered, giving you a single program option for a broad set of exterior cleaning risks.
Ideal Accounts and Appetite
This program fits insureds who provide mobile, off-premises pressure cleaning and abrasive sandblasting services. Target classes include:
- Commercial and residential pressure washing contractors (mobile/on-site)
- Fleet and mobile equipment washing services
- Sandblasting operators using abrasive materials
- Cleaning services for building interiors and exteriors performed away from owned or leased premises
Best-fit accounts typically have documented safety procedures, employee training, and clean loss runs. Operations performed from a permanent shop or with substantial on-site storage of equipment may need additional scrutiny — this program is focused on mobile and off-premises exposures.
Coverage Highlights and Advantages
Colonial General can provide mono-line or package solutions combining property and liability coverages. Key features include:
Commercial General Liability Coverage:
- Primary limits available up to $3,000,000 occurrence/aggregate
- Hired and Non-Owned Auto coverage included
- Property Damage Extension (Care, Custody & Control) with limits up to $250,000 occurrence/aggregate
- $5,000 Medical Payments
- Excess or Umbrella limits available up to $25,000,000
- Minimum $1,000 deductible on General Liability
Crime Coverage:
- Inside the Premises — Theft of Money and Securities
- Inside the Premises — Robbery or Safe Burglary of Other Property
- Outside the Premises
Property Coverage:
- Accounts Receivable, Buildings and Contents
- Basic, Broad, or Special Form options
- Business Income and Equipment Breakdown
- Computer Equipment, Contractor’s Equipment, Inland Marine
- Outside Signs, Valuable Papers; Replacement Cost or ACV available
Underwriting Notes and Minimum Premiums
General Liability carries a minimum $1,000 deductible. Minimum premium requirements vary by market and risk profile; Colonial General works with multiple admitted and non-admitted carriers to find the best placement. Favorable outcomes are most likely for accounts with written safety programs, documented employee training, regular equipment maintenance, and loss history that reflects controlled operations.
Territories and Availability
The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and excess & surplus (non-admitted) markets are used depending on the state, class code, and individual risk details.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General pairs niche underwriting expertise with access to a range of carriers. That combination helps you place specialty pressure cleaning and abrasive sandblasting accounts that might be difficult to place in standard markets. Colonial General focuses on practical underwriting — rewarding documented safety and loss control with broader capacity and flexible limits.
Example placements: you might have a client who performs mobile building exterior washing for commercial properties and fleet detailing at customer sites, or a contractor who offers abrasive sandblasting for exterior restoration and pressure washing — both scenarios align with this program when safety protocols and loss history are acceptable.
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