Are you looking for insurance for your tow truck?
Since tow trucks transport and recover disabled, damaged, or seized vehicles, towing companies need specific insurance coverages to protect not just their own vehicles, but also those they are transporting. Whether you have a single truck to insure or a small fleet, finding the right coverage for your tow truck business is essential.
What kind of businesses might require tow truck insurance coverages?
• Recovery services
• Police rotation
• Auto repossessions
• Hook and chain
• Flatbed or rollback towing
• Wrecker towing
• Auto body & repair shops
• Salvage operations
• Roadside assistance
• Light, medium, and heavy-duty towing
• Wheel lift towing
What kind of insurance coverage do I need for a tow truck?
Tow truck companies have unique insurance needs beyond basic auto liability. Many towing operations also require coverage for potential damage to customers' vehicles during transportation or storage. Understanding how to best protect your business starts with reviewing all required and additional coverage options:
Common coverages for commercial auto insurance:
- Auto liability - Often required by both state and federal regulations, this coverage protects against bodily injury and property damage to third parties resulting from accidents involving your vehicle.
- Uninsured and underinsured motorist - coverage for accidents caused by drivers with insufficient or no insurance.
- Comprehensive and collision (aka physical damage or "full" coverage) - coverage for damage to your own tow truck (or covered company vehicle) resulting from events like collisions, theft, vandalism, or fire.
Additional coverages for commercial tow truck insurance:
- Garagekeepers legal liability - Covers damage to vehicles stored on the tow company’s premises.
- In tow or on-hook - these coverages are related to the third-party vehicle while it is being transported.
View our full list of coverages to see what else we can offer based on your individual requirements.
How much does insurance cost for tow trucks?
The cost of insurance for your tow truck depends on several factors. These include your location, the number of vehicles covered, driving history of all drivers, and the type of operation. Your potential out of pocket for deductibles as well as policy limits also determine your insurance premiums.
What information do tow truck insurance brokers and agent need for an accurate quote?
Before starting the quote process, having all your information can help you find the right coverage for your towing business.
- Driving history of all drivers
- Location and radius of operations
- Type of towing services provided
- State and federal insurance requirements
- Type of tow truck and specific vehicle information (VIN, year, make, model)
Will I need Certificates of Insurance for my towing company?
It's always a good idea to keep your proof of insurance readily available. Towing companies are often required to provide Certificates of Insurance to comply with state regulations, secure contracts, or participate in police rotation programs.
At Milepost, the insurance companies we represent are committed to making it easy for policyholders to access proof of coverage, so 24/7 online access is available. If you need a certificate of insurance- it’s only a few clicks away so you can get back on the road to help others.
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