Insurance questions to ask

So I am contacting some local insurance companies today to get insured. I plan on doing commercial and some residential. What are some questions to ask? What minimum amounts should I be insured for?

Questions and observations I have seen that I need to verify/ask:
I should have Care, Custody and Control included.
Does insurance cover overspray & for how far away?
Does insurance cover 3rd party injuries only(if i were to get injured slipping on water would i be covered? or whatever other scenario could happen where id get injured)
How many stories do they cover for residential & how many ft up for commercial (like buildings in plazas that are tall but dont have any stairs/stories)
Do I need workers comp (for residential? for commercial?)

Does anyone have experience with Next Insurance?

I asked for a quote from them. The denied the request because I had been in business less than a year. It was online and instantaneous.

I know everyone says that Joe Walters doesn’t cover commercial but I just got a voice mail saying they do cover commercial and residential. What am I missing here?

One thing I learned today.

I am a sole operator to the business with zero employees. I have read here that workman comp is necessary for commercial work. At first Farmers said that I wouldn’t need it and explained to her that it was highly recommended by professionals with years in the industry. We ended up figuring out what was needed. It’s called Ghost Workman Comp. This covers the business that you are at in case you fall and hurt yourself so they are not liable. You can opt in to workman comp as a sole owner/operator but it is expensive.

WC varies from State to State. Usually a sole proprietor can’t purchase it.

That’s what Farms said. They said I could opt in but it was going to be EXPENSIVE!

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We have WC through our payroll provider Frank Crum, and I emailed asking about WC to do roofs:

@Sasquatch Hi, I’m Natalie, an Insurance Advisor here at Next Insurance. I’m pleased to inform you that we have actually recently changed our application, and can now insure people that have new businesses! We would be happy to provide you with a comparison quote for your pressure washing business. Our quotes are also entirely online and instant! Please don’t hesitate to reach out to us at for assistance.

Natalie & the Next Insurance Team

Hi George,

I’m Natalie, an Insurance Advisor here at Next Insurance. We’d be thrilled to offer you a quote for your pressure washing business, and are happy to answer any questions you may have about our policies or services. We’re an online insurance company that can get you covered in minutes flat - with flexible payment options and 24/7 access to an online customer account where you can access Certificates of Insurance and other important policy documents.

If you have any questions or would like to learn more about us, please don’t hesitate to reach out to us at We look forward to hearing from you!

Natalie & the Next Insurance Team

Hey George,just to let you know if you use them,you can do NO commercial and nothing over 30 feet.I used them for my maintenance business and they were okay for that but their PW insurance has ALOT of exclusions and costs almost as much as I pay Erie for both of my businesses.

I looked up Erie and the online portion said it wasn’t available in Omaha

I’ve posted this before but use this as a guideline for your insurance needs. This is based off of a commercial account of mine. Tell your prospective insurance provider that this

is what you want.
Make sure your insurer will issue you multiple COI’s (certificate of insurance) because you will be requesting a different COI for every property you work on (commercially). You might try your auto insurer, or have them recommend you to a broker. I am a sole proprietor LLC and my work is below 4 stories, no underground work and my General Liability runs $1200ish a year.


Who do you go thru? They may need more business. I was quoted almost $3600 a year

State Farm

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Did that $1200/yr include your commercial auto policy? I’m going to reach out to State Farm tomorrow.

Yes, it included both auto and general liability. I have my homeowners and other personal vehicles with them as well. I believe there is a discount for having the whole package.

I am in Oregon. I have a policy through SF for an IT business. My SF agent said no go on PWing. :neutral_face:

I think I pay a little north of $1200 a year and they cover my 96 Dodge Ram 2500, 12’ tandem trailer with 4.8 GPM hot water unit, and cover me for residential and commercial pressure washing $1,000,000 in property damage. This is through Wayne Insurance Group.


No where close to a $1000 including equipment coverage, and covers commercial too