Insurance Broker Program

Reduce environmental claim exposure on every commercial property in your book.

Co-branded Certified Post-Action Reports give your contractor clients documented proof of compliant runoff management — before a claim is filed. Your logo on the document. Your clients protected.

Request Program Details → See a Sample PAR
EPA Clean Water Act fine
$68,992
per day, per violation — no prior warning required
Typical HOA GL claim scenario
$250K+
landscape runoff into storm drain, no documentation
PAR cost per job
$99
certified documentation that changes the claim conversation
The Problem

Your GL and environmental clients are flying blind.

Pressure-washing contractors service hundreds of commercial properties annually — parking garages, HOA common areas, strip malls. Every job generates runoff. Almost none of it is documented.

$68,992/day
EPA Clean Water Act Penalties
Section 309 allows civil penalties per violation per day. No warning notice required. Without a documented NPDES BMP log, your insured has no defense — and you have no subrogation path.
$250K+
HOA Environmental Claim Scenario
Contractor washes parking garage. Sodium hypochlorite and surfactant enter storm drain. HOA receives notice of violation. GL policy has a pollution exclusion carve-out. Claim denied — but litigation isn't.
Zero
Standard Documentation in the Industry
There is no industry-standard post-activity compliance document for exterior cleaning contractors. Work orders don't capture chemical concentrations, runoff containment methods, or NPDES attestations.
Most
GL Policies Have Pollution Exclusions
Standard CGL policies exclude pollution events. Without documented evidence that runoff was controlled, contained, and compliant — the insured has no coverage argument. And neither do you, at renewal.
Program Tiers

Three ways to work with SurfaceOps.

Start free. Scale as your book adoption grows. Every tier includes access to the same certified PAR documentation standard.

Endorsed Referral
Free
Quarterly compliance report included
  • Refer contractor clients to SurfaceOps
  • Quarterly aggregate portfolio report
  • Broker resource kit + client-facing one-pager
  • Named as endorsed documentation provider
  • No revenue commitment required
Most Popular
Co-Branded Partner
20%
Revenue share on every PAR in your book
  • Your logo on every PAR header
  • Co-branded report templates for your clients
  • Monthly revenue share payout
  • Portfolio-level compliance dashboard
  • Dedicated broker success contact
  • Client renewal talking points
Underwriting Partner
Custom
API access + audit trail integration
  • Audit trail API for underwriting workflows
  • Direct PAR data feed for risk scoring
  • Custom volume pricing for large books
  • White-label reporting option
  • Joint product development roadmap access
The Math

$99 vs. $68,992.

One Certified PAR per job is not a cost — it's a reserve adjustment. Here's what the comparison actually looks like.

Scenario: Commercial HOA, 1 pressure-wash event, runoff complaint filed
EPA CWA civil penalty exposure (10 days, 1 violation) $689,920
Defense litigation costs (documented violation) $35,000 – $120,000
GL pollution exclusion — claim denial $0 coverage
Cost of a Certified PAR for that job $99
PAR cost as % of minimum 10-day fine 0.014%
Co-Branded Reports

Your brand on the document that matters.

Co-Branded PAR partners get their firm's logo and name printed on every report header alongside the SurfaceOps certification seal. Your clients see your firm as the one who gave them protection.

SurfaceOps
+
Your Firm
Sample co-branded PAR header — your firm name and logo lock up next to the SurfaceOps certification mark on every report.
Risks Mitigated

What documented compliance actually changes.

These are not hypotheticals. They are the common risk scenarios in commercial exterior cleaning — and the difference documentation makes.

Stormwater / CWA
HOA Parking Garage — TX
Contractor used sodium hypochlorite on 3-story garage. Runoff entered storm drain. Complaint filed. Contractor had SurfaceOps PAR with pH exit readings, BMP audit, and NPDES attestation. Regulator closed case at inquiry stage.
Case closed
before citation — documentation presented within 48h
GL / Pollution Exclusion
Strip Mall Common Area — FL
Property manager filed GL claim after runoff discolored parking lot. Contractor's PAR showed chemical concentrations, containment method, and before/after photos. Adjuster confirmed documented containment — pollution exclusion did not apply.
Claim paid
exclusion rebutted by documented BMP evidence
Contract / Liability
Municipal Campus — CA
State contract required post-activity compliance documentation for all cleaning vendors. Contractor submitted SurfaceOps PARs for 47 jobs across 12-month contract. No violations. Contract renewed with 15% premium for documented compliance track record.
+15% renewal
premium pricing for documented compliance history
Get Started

Request program details.

Fill out the form below. You'll receive our broker one-pager PDF and a Calendly link to schedule a 15-minute intro call with our team.

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Already have a contractor?

Send them to https://surfaceops.polsia.app/par for operator pricing — $99 per certified report, no subscription required.

Operator Pricing →