Running a recovery or roadside service means you face unique risks every day. You need a tailored policy that matches how you operate, the vehicles you run, and the contracts you sign.
A dedicated advocate will compare multiple companies and assemble coverages for liability, physical damage, medical payments, and uninsured motorist protection so your drivers and customers stay protected.
Specialized protections like Garagekeepers Legal Liability, On-Hook Towing, and Tow General Liability cover customer property while stored, in transit, or for premises incidents not tied to a covered vehicle.
Your broker also helps set appropriate limits, deductibles, and endorsements so your commercial auto program is neither underbuilt nor bloated.
Key Takeaways
- You get an experienced advocate to build coverages that match your day-to-day operations.
- Specialized protections guard customer vehicles on your lot and while in transit.
- Core options include liability, physical damage, medical payments, and uninsured motorist coverages.
- Brokers help set limits and streamline certificates so you meet contract needs fast.
- Proactive policy reviews keep protection aligned as your fleet or services change.
Protect your towing business with brokered coverage tailored to your risks
Get a policy that matches your routes, storage practices, and service lines so you avoid coverage gaps.
Almost every state requires commercial auto insurance for commercial tow truck fleets, and you may also need workers’ compensation if you employ drivers or yard staff. A specialist assesses your operations, from light roadside assists to heavy recoveries, to recommend the right mix of protection.
The plan will combine general liability and garage liability to handle premises exposures like slip-and-fall and to meet lease or municipal contract terms. For customer vehicles, we use Garagekeepers Legal Liability for on-site risks and On-Hook Towing coverage for damage in transit.
- Align limits and deductibles to the value of the vehicles you handle.
- Address storage lot security, inventory documentation, and after-hours impounds.
- Include special provisions for auto salvage or auction hauls and nonstandard loads.
Your agents coordinate liability coverage with commercial auto policies to close gaps and advise on endorsements required by motor clubs and contracts. Policies are reviewed as your trucks, drivers, or service lines change so your protection stays current.
Tow truck insurance brokers: comprehensive coverage, faster quotes, smarter protection
If your business hauls, stores, or repairs vehicles, you need specialized commercial auto protection that fits real operations.
Who needs commercial tow and recovery protection
Roadside services, motor club contractors, body shops, salvage haulers, and full service stations all face similar exposures. If you answer rotational calls or handle auction hauls, a tailored policy keeps you compliant and covers third-party losses.
Core coverages and customer-vehicle protection
We assemble auto liability for bodily injury and property damage, Medical Payments, physical damage for your fleet, and Uninsured/Underinsured Motorist options. For customer vehicles, combine On-Hook and Garagekeepers Legal Liability to protect while in transit or stored on your lot.
Claims support and a simple path to bind
Your agent coordinates adjusters and legal help when a loss occurs. To bind quickly: complete a short application, compare market quotes, buy the policy, and download your certificate the same day in many cases.
Cost of tow truck insurance and what impacts your premium in the United States
Premiums vary widely, and knowing the main cost drivers will keep surprises off your renewal.
2024 benchmarks show a median monthly cost near $380 for new customers and an average around $619 per month. Most operators pay closer to the median because a few expensive accounts push the average up.
The final price you pay depends on many underwriting factors. Below are the key items underwriters review:
- Fleet profile — number of vehicles, model years, and where vehicles are garaged.
- Type of towing — light roadside, rotational recovery, or long-haul work each carry different risk.
- Drivers — MVRs, experience, and recent violations affect eligibility and rates.
- Loss history — frequency and severity of prior claims can raise deductibles or premiums.
- Selected coverages — auto liability, general liability, On-Hook, Garagekeepers, and physical damage limits change cost.
Discounts for safety programs, GPS/telematics, training, and yard security can lower premiums. Nearly every state requires commercial auto coverage; some operations also need workers’ comp if you have employees.
Conclusion
Take the final step: complete a brief application, compare top-rated options, and download proof of coverage fast.
With a specialist advocate you get the right mix—auto liability, On-Hook, Garagekeepers, and general liability—matched to how and where you operate. This also helps your limits align with the value of the vehicles you handle.
We streamline the process so you can apply online, compare quotes, bind a policy, and get certificates the same day. Specialist markets can place coverage if you’ve been declined or non-renewed and provide nationwide claims and legal support when incidents occur.
Ready to move forward? Start your application now, compare options, and secure brokered towing insurance built for your operations today.
