Yeah I have the same thing here in Central Florida. I used a local insurance office that ran a General Liability of $2 Mil, no workers comp, no employees, covers pressure wash and window cleaning. Written through Auto-Owners Insurance. I pay $495 a year. Though the local office does the subcontractor policy holders for free and will email them directly to the contractor.
I would, however, look into supplemental insurance similar to Aflac where it will cover lost wages should you have an accident while at work especially if you don’t carry workers comp. You can carry workers comp on yourself and many HOA’s will want you to carry it if you work on common areas for them as commercial jobs. More so for pressure washing than for window cleanings of community clubhouses, but if you can do both, you can make yourself stand out more.