What insurance does a tow truck business need?

Generally auto liability, physical damage, on-hook coverage for vehicles in tow, garagekeepers for vehicles in your care, and general liability. The operation shapes the program.

What is on-hook coverage?

Coverage for damage to a customer's vehicle while you are towing it. Garagekeepers covers vehicles stored in your lot or care. Both are central to towing.

Why is tow truck insurance specialized?

Because you are responsible for other people's vehicles and run heavy road exposure, appetite is specialized and depends on your operation and the calls you run.

Tow Truck Trucking Insurance - Vantage Point Risk

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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Tow truck insurance generally combines auto liability, physical damage, on-hook coverage for vehicles in tow, and garagekeepers coverage for vehicles in your care, with general liability for the operation. Appetite is specialized.

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.

Insurance for tow truck operations.

On-hook and garagekeepers

Road and operation exposure

Specialized appetite

Common questions.

Does your coverage match how you run?

Keep going.

Primary Liability

Physical Damage

Truckers General Liability

Trucking Coverage Review

Coverage built for towing.