Tow Truck Insurance


Tow trucks are a big deal. We can help you manage your risks and find the right coverage for your business.

Your business works hard to help other people. Your customers trust you with their cars, but there are a lot of risks that go along with operating a tow truck business. Whether you have a couple of trucks or an entire fleet, we can help you make sure that you’re protected from all the possible disasters that could hit your business. From wreckers to rollbacks, we’ve seen it all.

There are many different types of coverage that you can consider for your company, and we get that it’s overwhelming. Typically, you're looking at needing coverages like:

  • Auto liability
  • On-hook/in-tow coverage
  • Physical damage
  • General liability
  • Garagekeeper's coverage

We want to make the process of insuring your tow truck company as easy and painless as possible, and we want to help you feel more secure knowing that you’ve got the coverage you need.

A policy for your tow truck insurance might include:

Auto Liability

Auto liability protects you and your drivers in the event of an accident.

On-Hook/In-Tow Coverage

On-hook coverage protects you while you’re transporting a customer’s car. If something were to happen to the car being hauled, such as a collision, you’d be covered.

Physical Damage

Physical damage coverage protects you in case of unforeseen disasters (i.e. a storm or deer strike) as well as accidents.

General Liability

This coverage provides protection for the business as a whole in case of bodily or property damage caused to someone else. (Note: this is often required if there is a salvage yard or repair shop)

Garagekeepers coverage

Garagekeepers coverage protects you if you keep your client’s cars in your shop or on your premises. Vandalism, theft, collision, and fire are the main risks that it is intended to cover.

The minimum recommended coverages are:

  • General liability
  • Building
  • Business Personal Property
  • Business Income and extra expense
  • Employee dishonesty
  • Money and securities
  • Accounts receivable
  • Computers
  • Motor truck cargo
  • Valuable papers and records
  • Employee benefits
  • Umbrella
  • Motor carriers liability and physical damages
  • Hired and nonownership auto
  • Workers compensation

But that’s not all—other types of coverage to consider are…

  • Earthquake
  • Flood
  • Cyber liability
  • Employment-related practices
  • Environmental impairment
  • Warehouse operator’s legal liability
  • Stop-gap liability

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