Tools & Equipment Insurance
Your pressure washers, surface cleaners, hose reels, water tanks, and trailers represent a major investment. Tools & equipment insurance (inland marine) covers theft, accidental damage, and transit losses wherever your gear is.
Tools & Equipment Coverage for Pressure Washing Contractors
A professional pressure washing rig is expensive — a commercial hot-water unit, surface cleaners, hundreds of feet of hose, reels, a buffer tank, and the trailer to haul it all can easily total $10,000–$40,000 or more. Equipment theft from job sites and trailers is rampant, and a single overnight theft can put you out of work. Tools & equipment insurance (also called inland marine) protects that investment wherever it goes.
What's Covered
- Theft: Equipment stolen from your truck, trailer, or job site
- Accidental damage: A surface cleaner dropped, a hose run over, a unit damaged on site
- Transit coverage: Gear damaged while being hauled between jobs
- Trailer coverage: The trailer itself and the equipment mounted on it
- Rented & borrowed equipment: Coverage for gear you rent for larger jobs
- Replacement cost: Settlement at today's replacement cost, not depreciated value
Why GL and Auto Won't Cover It
Your general liability covers damage you cause to others — not your own equipment. Your commercial auto covers the vehicle and its liability — not the pressure washing gear inside or on the trailer. Only a tools & equipment / inland marine policy covers the rig you depend on to earn a living.
Scheduled vs. Blanket Coverage
Larger, higher-value items like a trailer-mounted hot-water unit are typically scheduled individually, while smaller hand tools are covered on a blanket basis. We structure your policy so your most valuable gear carries adequate, accurate limits.
What's Covered
Frequently Asked Questions
No. GL covers third-party damage and injury — not your own equipment. A stolen or damaged pressure washer is covered only under a tools & equipment / inland marine policy.
It depends on the value of your gear. A typical pressure washing contractor insuring $20,000–$30,000 of equipment pays a few hundred dollars per year. We scale the limit to your actual rig and add trailer coverage where needed.