Coverage for towing operations

Tow truck insurance for the risks you handle every day.

Compare commercial coverage for towing, roadside assistance, vehicle transport, and vehicles in your care.

Compare coverage Explore coverage and quote preparation

Fig. 01: Tow truck insurance

Options for on-hook and garagekeepers coverage

Coverage for towing and roadside operations

Compare specialized commercial carriers

Your operation

Start with the work you do.

Towing creates several distinct exposures: driving the tow truck, handling a customer's vehicle, and sometimes storing it afterward. Describe the complete operation, including recovery work, roadside assistance, and any storage yard.

Towing and roadside service

Identify wheel-lift, flatbed, heavy recovery, repossession, and roadside work separately. Bring motor-club, municipal rotation, or other contract requirements.

Storage and customer vehicles

List each storage location, security arrangements, the number of vehicles, and maximum combined value. Ask where on-hook protection ends and storage coverage begins.

Coverage to compare

Know what each part protects.

Tow truck liability and damage

Review auto liability plus physical damage for the tow truck, body, winch, and other installed equipment.

On-hook coverage

Discuss protection for customers' vehicles during towing and handling, including attachment, loading, and unloading.

Garagekeepers or storage coverage

Ask about customers' vehicles held at your premises, the basis of coverage, per-vehicle and location limits, and deductibles.

Roadside work

Explain jump-starts, tire changes, fuel delivery, and recovery activities so the insurer can address liability beyond driving.

This is general buying guidance. Available coverage depends on the insurer, your operation, and underwriting. The issued policy and endorsements determine what is covered.

Understanding cost

What shapes your quote.

Type of towing, recovery work, operating area, and contracts.
Tow truck values, customer vehicle values, and storage exposure.
Drivers, losses, chosen limits, and deductibles.

Compare equivalent limits, deductibles, and operations before choosing on price. Your quote should explain both the cost and the coverage it buys.

Quote preparation

Have these details ready.

Truck and equipment schedule with values and driver details.
Breakdown of towing, recovery, roadside, and storage work.
Storage locations, maximum vehicle values, contracts, and prior losses.

Start with the short form below. These details help with the follow-up review; you do not need to enter them all to get in touch.

Common questions

Before you choose a policy.

Does auto liability cover damage to a car I am towing?

Do not rely on auto liability alone. Review on-hook or the applicable customer-vehicle coverage and its conditions, limits, and exclusions for the way you tow.

Do I need storage coverage if cars only stay overnight?

Tell the insurer about even short stays. Confirm the policy that applies once a customer vehicle is left at your premises, including each location and its maximum exposure.

Get Started

Get your quotes. It starts with a USDOT number.

Tell us about your operation so our team can review your insurance needs and help you compare available options.

Coverage options for your operation
Help reviewing your insurance requirements
A quote request, with no obligation to buy

Next step

A review of your operation

Prefer to talk it through? 1-844-912-COVER

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