Commercial Tow Truck Insurance

New towing businesses are welcome

Starting your own company after years of towing for someone else? Your experience matters. We consider your driving background, equipment and planned services when looking for coverage.

We work with first-time business owners and growing fleets, including operators with no previous commercial policy. Our team looks for insurers that consider your experience and the business you are building.

Tell us about the services you offer, including voluntary towing, roadside assistance, vehicle storage, police rotation, private-property towing, repossession or heavy recovery. Review new services with your agent before adding them so your insurance can keep up.

Illinois Tow Truck Insurance Requirements

For Illinois and Chicago operations, review our Illinois tow truck insurance requirements page. We help you identify the requirements that apply to your business.

Coverage for your trucks and towing services

We review coverage for rollbacks, flatbeds, wheel-lift wreckers, conventional wreckers and roadside-service trucks. Heavy-duty wreckers, rotators, multi-car carriers and repossession equipment may need a more detailed insurer review.

Have each truck’s year, make, model, VIN, value and equipment details ready. Let us know if you carry multiple vehicles or store customers’ vehicles at a yard.

We focus on Illinois and Chicago, with towing insurance requests also welcomed from Indiana, Ohio, Missouri, Texas, Wisconsin and Minnesota. Coverage availability depends on the state, operation and insurance company.

We understand roadside-network insurance requirements

We help towing businesses review insurance requests from Agero, HONK, Allstate Roadside, GEICO, AAA and Nation Safe Drivers, as well as auction and transport customers such as Copart.

Send us the written requirements for the organization you plan to work with. We can help review the coverage limits, certificates, additional-insured requests and workers’ compensation requirements.

Each organization decides which providers it accepts and how work is assigned. Our roadside-network and contract insurance guide explains the insurance side of the application.

Tow truck insurance discounts and payment options

We look for savings that fit your business, including eligible telematics, prior-insurance and multi-policy programs. If this is your first commercial policy, your personal auto insurance history may also be relevant, depending on the insurer.

Compare the annual premium, deductible and payment schedule together. A lower initial payment can help with cash flow, while the total policy cost shows what you will pay over the term. Read how to save on tow truck insurance.

Considering Progressive? Read our Progressive tow truck insurance guide for coverage options, available savings and an illustrated quote comparison.

How much does tow truck insurance cost?

Your price depends on your trucks, where they are kept, driver records, experience, services, limits and insurance history. A personalized quote is the best way to see what coverage will cost for your operation.

Submit your details once. We compare available insurers and help you review coverage and payment options.

What does tow truck insurance cover?

Tow truck insurance combines coverage for your business, trucks, customer vehicles and employees. The right combination depends on how you operate.

• Commercial auto liability

  Helps cover injuries and property damage you cause to others in an accident involving an insured vehicle. Choose limits that meet your state and contract requirements, and review separate protection for the customer’s vehicle being towed.

• Physical damage for your truck

  Comprehensive and collision help pay for covered damage to your tow truck. Review the truck’s value, attached equipment, deductible and lender requirements with your agent, including how a total-loss payment would be calculated. Physical damage coverage explained

• On-hook towing coverage

  Helps cover damage to a customer’s vehicle while you tow or transport it. Ask about loading, unloading and coverage for multiple vehicles. Your limit should reflect the vehicles you handle. On-hook towing coverage explained

• Garagekeepers legal liability

  Helps cover damage to customer vehicles at an insured storage or service location when your business is legally responsible. Your agent can also explain direct-primary or direct-excess options, where available, and how they differ from legal-liability coverage.

• General liability or garage liability

  Helps cover certain claims arising from your business operations, such as a customer injury at your premises. The policy needs to match your services and any specific garage-liability requirements in a permit or contract.

• Workers’ compensation

  Helps cover employees’ work-related injuries and illnesses, including injuries while loading vehicles, handling equipment or working near traffic.

Do you need workers’ compensation?

Hiring a driver or helper may create workers’ compensation requirements. Review part-time employees, family members and contractors with your agent; a 1099 tax form alone does not determine their status.

We review your staff, ownership structure, work locations and payroll. Owners may have coverage choices or exemptions depending on the state and business structure. Confirm whether an owner is included before relying on the policy for their injuries.

Ohio generally uses its state fund for workers’ compensation, with approved self-insurance available to qualifying employers. We help explain how that affects your coverage review. Ohio workers’ compensation law

Insurance documents and quote preparation

Review our filings and operating authority guide, learn what to check on a tow truck certificate of insurance, and see what to prepare for your towing quote.