Tow Truck operations need to have insurance for their business. Wether your tow truck operation has 1 truck or a fleet of trucks, having a comprehensive insurance program is one of the most important aspects of staying in business when an accident occurs. 

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Why do you need Tow Truck Insurance: 

• To cover your clients auto while being towed by your company. You are liability for the clients while the auto is in your custody and control. 

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Types of Insurance Coverages that Tow Truck Companies usually need:

• Towing General Liability

• Business Auto Liability - Tow Truck Liability - Commercial Auto Liability

• Medical Payments

• Physical Damage Insurance - Collision Insurance - Comprehensive Insurance

• Fire and Theft Coverage

• Uninsured Motorists Insurance - Underinsured Motorists Insurance

• Property Insurance - Tow Truck Shop Insurance

• Garage keepers Insurance - If you are storing customers vehicles after tow. 

• Towing Workers Compensation Insurance

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Required Tow Truck Liability Limits: 

• Tow Truck Gross Vehicle Weight: 40,000+ - Must have at least $300K of Liability Coverage

• Tow Truck Gross Vehicle Weight: 35,000 - 39,999 - Must have at least $100K of Liability Coverage

• Tow Truck Gross Vehicle Weight: Less than 35,000 - Must have at least $50K of Liability Coverage

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Required Garage Keepers Insurance

• Tow Truck companies must cover at least $50K in Garage Keepers Insurance covering the following and more: Fire, Theft of Vehicle, Explosion, Riot, Civil Commotion, and vandalism.

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Types of Tow Truck Companies we insure: 

• Flatbed Tow Truck Insurance

• Hook and Chain Tow Truck Insurance

• Wheel-Lift Tow Truck Insurance

• Boom Truck Insurance

• Integrated Tow Truck Insurance