Overspray: A Power Washing Nightmare

You name it and I am pretty sure we have seen it.  Unfortunately, overspray happens, and it happens a lot; even when you take the best precautions and think you have crossed every “t” and dotted every “i” in containment.  … Read More....

Understanding Additional Insured Endorsements

When a client requests to be named as an Additional Insured on your insurance policy, do you understand what they are asking for?  Does the endorsement do what you think it does? This article will help explain the Additional Insured … Read More....

Pollution Exclusion Commercial Auto Policies

The auto liability section of the standard commercial auto policy contains broad pollution exclusion. The pollution exclusion applies to bodily injury or property damage that arises out of the discharge, release or escape of pollutants. It consists of the following:… Read More....

Understanding Product and Completed Operations Coverage

Products and Completed Operations coverage gives a contractor coverage for bodily injury or property damage that is a direct result from their product or their completed work.

Contractors providing power washing, roof or window cleaning services should understand Completed Operations … Read More....

Understanding the Impact of a Premium Audit

What is a Premium Audit?

An insurance premium audit is a provision in most business insurance contracts.  The purpose of the audit is to obtain the exact exposures and compare them to what was estimated by you.  The exposures will … Read More....

Do You Need Garage Keeper’s Insurance?

Does your business do fleet or vehicle washing? If so, it might be time to consider garage keeper’s insurance. Garage keeper’s coverage provides protection for damage to customer’s vehicles due to the insured’s legal liability.

What Does Garage Keeper’s Insurance

Read More....

Licensing the Power Wash Industry: What Do I Need?

As a member of the power wash community, it likely doesn’t come as a surprise to hear that there are a variety of licensing and permits needed to operate a power washing business. Some states require special registrations and require … Read More....

Janitorial Service Bond: What You Need to Know

Are you or any of your employees entering a customer’s home, warehouse or place of business?

If so, you should consider purchasing a Janitorial Service Bond. This bond quickly and easily provides protection for you and your customers. Hopefully you … Read More....

July Claims From Joseph D. Walters

At Joseph D. Walters Insurance, we strive to keep the mobile cleaning industry safer. We handle claims every day that you might never think of, until they happen to you. We want to make all professional washers aware of these … Read More....

Knowing the Difference: Employee vs Subcontractor

Do you have employees without knowing it? How could you not know, right? They obviously aren’t working for you without your knowledge.  You know they are there.  You just might not know that they are an employee of yours.

Due … Read More....