I wanted to shed some light on the documentation and insurance requirements for pressure washing and roof cleaning companies in the state of Florida. First of all, as many of you who are reading this know, Florida is probably the most saturated market in the U.S. for exterior cleaning companies. There are many that run up standing operations using proper techniques, and carrying all the appropriate state and local requirements, but there are also many that operate illegally by not following the state mandated laws and regulation that all pressure washing, and roof cleaning companies in Florida must follow.
If you are operating a Florida pressure washing business, you must carry workers compensation insurance on every employee. Pressure washing and roof cleaning services are coded as construction trades by the state of Florida, and all construction companies must carry this insurance on every employees. This is something that changed just a few years back, as before that pressure washing was not considered a construction trade, and did not have the same very strict insurance requirements.
The only legal exception to not have to carry worker comp is if a Florida pressure washing or roof cleaning company is set up as an LLC or a corporation, up to three owners may file for workers Comp exemptions. This basically means that they, as owners, are waving their rights to compensation in the event that they were to hurt themselves on the job. This is quite common for smaller Florida construction companies as the price of worker comp insurance is insanely high.
It is also required that all pressure washing and roof cleaning companies in the state of Florida carry liability insurance, so in the even that they damage property, or person, they have suitable insurance to cover the damages of the incident.
Local laws on occupation licensing different from county to county, many require it, and many do not. The state Florida, however, does not require any state licensing for pressure washing or roof cleaning companies at this time.
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