TOW TRUCK
INSURANCE
Commercial insurance for tow truck operators, roadside assistance companies, rollback trucks, wreckers, recovery units, garages, repair shops, and towing fleets.
Some of the insurance markets we work with
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Carrier availability varies by state, operation type, fleet size, and underwriting requirements.
Who We Cover
Who Needs Tow Truck Insurance?
Commercial Tow Operators
Roadside Service Providers
Rollback Operators
Wreckers
Heavy-Duty Towing
Auto Repair Shops
Police Rotation Towing
Recovery Units
Auto Club Contractors
Tow Fleets
Our Programs
Commercial Towing Operators Program
Eligible Classes
- Commercial tow truck operators
- Roadside assistance providers
- Rollback and flatbed operators
- Wrecker operators
- Recovery service providers
- Auto repair shops with towing exposure
- Police rotation and auto club accounts
- Fleets with 2+ units — preferred programs available
- Owner-operators — multiple markets available
Territory
Available in most U.S. states. Some markets exclude AK, HI, MA, and NY — contact us for state-specific availability.
Equipment
Tow Truck Types We Cover
Protection
Core Tow Truck Coverages
Commercial Auto Liability
Covers bodily injury, property damage, legal defense, and settlements if your tow truck causes an accident.
Physical Damage
Protects your tow truck for collision, comprehensive losses — theft, fire, vandalism, and weather.
On-Hook / Cargo
Protects customer vehicles while being towed, loaded, or transported during your towing operations.
Garagekeepers Legal Liability
Covers customer vehicles parked, stored, repaired, or kept at your business location.
General Liability
Helps cover non-auto business claims including customer injuries, premises claims, and completed operations.
Workers Compensation
Required when the business has employees — covers work-related injuries for your tow operators.
More Options
Additional Coverages Available
Risk Awareness
Common Towing Risks
Damage in Tow
Customer vehicle damaged while being transported or loaded.
Theft at Tow Yard
Vehicles stolen or vandalized while stored at your facility.
Roadside Worker Injury
Driver injured while loading, securing, or assisting roadside.
Rear-End Collisions
Struck from behind while loading at a crash or breakdown scene.
Loading & Unloading
Damage to vehicles during the loading or unloading process.
Winching & Recovery
Equipment or vehicle damage during complex recovery operations.
Storage Lot Claims
Liability claims from vehicles parked or stored at your lot.
Heavy-Duty Exposure
Elevated risk from semi-truck, bus, and equipment recovery jobs.
Why Us
Why Tow Operators Choose TruxSurance
Towing Specialists
We understand on-hook coverage, garagekeepers, storage lots, roadside work, and recovery exposures specific to towing.
Multiple Markets
We compare multiple commercial towing insurance markets for owner-operators, fleets, and hard-to-place accounts.
Fast Certificates
Need proof for an auto club, police rotation, municipality, or auction? Same-day certificates after binding.
Coverage Guidance
We match on-hook, garagekeepers, liability, and physical damage limits to the real risk of your towing operation.
FAQ