Insurance for tow truck operations.
Towing carries unusual exposure: you are responsible for other people's vehicles, on the road and on the hook. On-hook and garagekeepers coverage make tow truck insurance its own specialty.
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On-hook and garagekeepers
The defining exposure in towing is responsibility for someone else's vehicle. On-hook coverage protects vehicles while you are towing them, and garagekeepers covers vehicles stored in your lot or care. These are the coverages that make tow truck insurance different, and the limits have to match the vehicles you handle.
Road and operation exposure
Tow operators face heavy road exposure, roadside work, and the liability of the operation itself, so auto liability and general liability both matter. Physical damage protects your own trucks and equipment, which are expensive and specialized.
Specialized appetite
Towing is a specialized market with careful appetite, shaped by your operation, radius, and the kinds of calls you run, police rotation, repossession, heavy-duty. Being clear about how you operate is what gets you the right coverage.
Common questions.
What insurance does a tow truck business need?
What is on-hook coverage?
Why is tow truck insurance specialized?
Does your coverage match how you run?
Tell us your operation, authority, radius, and cargo and we will check your liability, cargo, physical damage, and filings against how you actually operate. Educational, no obligation.
Coverage built for towing.
Tell us how your towing operation runs and we will build coverage that fits.