Commercial Auto Insurance
Commercial auto covers your work vehicles — the trucks and trailers that haul your pressure washing rigs, water tanks, and crews. Personal auto policies exclude business use, leaving you exposed without it.
Commercial Auto for Pressure Washing Contractors
Pressure washing is a mobile business. You're hauling heavy equipment, full water tanks, and crews to multiple sites a day. That weight and that mileage create real commercial auto exposure — and your personal auto policy will deny a claim the moment it learns the vehicle was used for business.
What's Covered
- Liability: At-fault accidents causing injury or property damage to others
- Collision: Damage to your truck or trailer in an accident
- Comprehensive: Theft, fire, vandalism, and weather damage to your vehicle
- Hired & non-owned auto (HNOA): Rented vehicles and employees' personal vehicles used for work
- Uninsured/underinsured motorist: Protection when the at-fault driver isn't adequately insured
- Trailer liability: Coverage for the trailer you tow
Loaded Trailers and Water Tanks
A trailer carrying a heavy hot-water rig and a full buffer tank handles very differently than an empty one — and accidents involving loaded trailers can be serious. Commercial auto covers the vehicle and its liability; the equipment on the trailer is covered under your tools & equipment policy, so the two work together.
Why You Can't Rely on Personal Auto
Using a personal truck for pressure washing jobs without a commercial policy or business-use endorsement is one of the most common — and costly — gaps we see. One denied claim can cost more than years of proper premium.
What's Covered
Frequently Asked Questions
Not safely. Personal auto policies exclude business use and will deny claims when a vehicle is used for work. You need a commercial auto policy or, at minimum, a business-use endorsement to be properly covered.
Commercial auto covers the trailer's liability and can cover physical damage to the trailer itself. The pressure washing equipment mounted on or stored in it is covered under your tools & equipment policy.