Tow Truck Insurance
Protect Your Tow Truck Business, Your Equipment, and Your Customers
Running a towing business comes with unique risks. Whether you operate a single tow truck or manage a growing fleet, having the right insurance coverage is essential to protecting your business from accidents, property damage, lawsuits, and other unexpected losses.
At A-1 Insurance Services Inc, we help towing companies find insurance solutions designed around the way they operate. We work with you to understand your business, your equipment, your drivers, and the services you provide so we can help you identify the coverage you need.
What is Tow Truck Insurance?
Tow truck insurance is a specialized commercial insurance program designed for businesses that provide towing and roadside assistance services.
A typical tow truck insurance program may include several different types of coverage, depending on your business operations.
Common Tow Truck Insurance Coverages
Commercial Auto Liability
Provides liability protection when your tow truck is involved in an accident and your business is legally responsible for bodily injury or property damage.
Physical Damage Coverage
Helps protect your tow trucks against covered losses such as collision, theft, vandalism, fire, and other covered causes of loss.
On-Hook Towing Coverage
Provides coverage for customers' vehicles while they are being towed or transported, subject to the policy's terms, conditions, and limits.
Garagekeepers Coverage
If you store, repair, service, or maintain customers' vehicles at your business location, garagekeepers coverage may help protect those vehicles while in your care, custody, or control.
General Liability
Helps protect your business against claims involving bodily injury or property damage arising from your business operations that may not be covered by your commercial auto policy.
Workers' Compensation
If you have employees, workers' compensation may provide benefits for employees who are injured or become ill as a result of their work, subject to applicable state requirements and policy provisions.
Equipment Coverage
Can help protect specialized towing equipment, tools, dollies, winches, chains, and other equipment used in your towing operation.
Uninsured/Underinsured Motorist Coverage
Can provide protection when your tow truck is involved in an accident with a driver who has no insurance or insufficient insurance, depending on the coverage selected and applicable state law.
Towing Businesses We Can Help
We can help businesses that provide a variety of towing and roadside services, including:
- Light-duty towing
- Medium-duty towing
- Heavy-duty towing
- Emergency roadside assistance
- Accident recovery
- Vehicle transport
- Flatbed towing
- Wheel-lift towing
- Police and municipal towing
- Roadside assistance
- Commercial vehicle towing
- Long-distance vehicle transportation
Because every towing operation is different, your insurance program should be based on the services you actually provide.
Why Proper Coverage Matters
Tow truck operators face risks that many other businesses don't encounter. Your employees may work alongside busy roadways, handle disabled vehicles, transport customers' property, and operate large commercial vehicles in challenging conditions.
An accident can result in damage to:
- Your tow truck
- A customer's vehicle
- Other vehicles
- Property belonging to others
- Equipment and tools
- Your employees
- Your business
The right insurance program can help protect your business from the financial consequences of these risks.
We Help You Find the Right Coverage
At A-1 Insurance Services Inc, we're more than just a place to purchase an insurance policy. We take the time to understand your towing operation and help you evaluate your coverage options.
We'll discuss important factors such as:
- Number and type of tow trucks
- Vehicle values
- Radius of operation
- Types of towing services provided
- Driver experience and driving records
- On-hook exposures
- Storage of customer vehicles
- Employees and subcontractors
- Equipment and tools
- Business location
- Claims history
Our goal is to help you build an insurance program that protects your business without paying for coverage you don't need.
Don't Leave Your Towing Business Unprotected
Your tow trucks are your livelihood. One serious accident or liability claim could have a significant impact on your business.
Let A-1 Insurance Services Inc help you review your current insurance and identify potential gaps in coverage.
Protect your trucks. Protect your customers. Protect your business.
Contact A-1 Insurance Services Inc today to discuss your towing business and request a customized tow truck insurance quote.