Hi Pete and welcome to the bbs
Ahh, the paperwork and of course you've listed my favorite soapbox topic! Even as a one man business, you will still have the basic requirements.
Insurance - General Liability is a must. Rates will vary from state to state but while you are looking, notice that the difference between the minimum amount and going on and getting $1M is minimal. The larger limits will allow you to bid on commercial jobs with bigger bucks! We carry Worker's Comp (because we have clients that require it) even though we are technically not covered, it protects the homeowner and any helpers we may use from time to time. Also, not a very expensive piece of change when you realize that you're not gonna get some of the higher paying jobs without it.
Business licenses - this can ranges from state requirements right down to privilege licensing in various municipalities/cities/townships, etc... At this time, there are not "on the books" licensing requirements for pressure washing, however, as an example of what you MAY see - in Maryland, if you stain decks, you have to have a Maryland Home Improvement Contractors license (weird).
There is nothing wrong with including personal experiences but don't be ridiculous about it. Using your dad's pwer once a year since you were twelve doesn't really entitle you to say you have decades of experience! Use good judgment - be honest! It is much better to be upfront than to try and boost yourself and get called on it! When we first started, we worked around the question...now our portfolio speaks for itself and building that doesn't take too long
Good luck in your endeavor - kudos for doing things in the proper order!
Celeste