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Minnesota tow truck insurance helps protect your business on the road and at the storage lot. From a single rollback to a growing fleet, Insured ASAP helps you compare coverage for your trucks, customer vehicles and employees.
Our team has more than 10 years of tow truck insurance experience. We work with new businesses and established operators, helping you review coverage, pricing and the documents your customers require.
Get a Minnesota Tow Truck Insurance Quote
Minnesota towing requirements and registration
The type of towing you perform matters. Minnesota law provides an intrastate motor-carrier certificate or permit exemption for properly equipped tow trucks picking up disabled or wrecked vehicles, or vehicles covered by an authorized public employee’s towing order. The exemption applies while the business is exclusively engaged in qualifying transportation. Minnesota Statutes, section 221.025.
Hauling running vehicles, auction purchases or other property can involve different requirements. For businesses that must register as Minnesota motor carriers of property, MnDOT calls for an insurer-filed Form E showing at least $100,000 bodily injury per person, $300,000 bodily injury per accident and $50,000 property damage. Confirm the requirements for your services before starting work. MnDOT motor-carrier registration guidance.
Interstate work adds a federal review. FMCSA distinguishes qualifying emergency tows from later vehicle movements, and required limits depend on the operation. See the federal towing guidance and insurance filing requirements. Local permits and customer contracts can also require additional coverage.
Coverage for a Minnesota towing business
- Commercial auto liability helps cover injuries and damage to others when an insured truck causes an accident.
- Physical damage helps pay for covered damage to your tow truck. Review comprehensive and collision, equipment values and deductibles.
- On-hook towing coverage helps protect customer vehicles during towing or transport, subject to the policy’s terms.
- Garagekeepers legal liability helps cover damage to customer vehicles at an insured storage or service location when your business is legally responsible.
- General liability or garage liability helps cover certain claims arising from your business operations, such as an injury to a customer at your yard.
- Workers’ compensation helps cover employees’ work-related injuries and illnesses.
Include roadside assistance, recovery, repairs and storage in your coverage review. Heavy wreckers, rotators, repossession and multi-car transport may need additional insurer approval.
Does Minnesota require workers’ compensation?
Minnesota generally requires coverage even when a business has only one part-time employee. Employers must buy workers’ compensation insurance or qualify for approved self-insurance, unless a specific exception applies. Minnesota DLI coverage requirements.
Review drivers, helpers, dispatchers, owners and family members who work in the business. Owner coverage and exemptions depend on the circumstances. Paying someone on a 1099 does not by itself establish independent-contractor status.
Customer vehicles: from the tow to the storage lot
A vehicle damaged while being transported and one damaged after it is parked at your yard can involve different coverage. For example, a car may arrive safely after a tow and then remain at the lot overnight. The policy needs to account for both stages.
Review on-hook coverage for towing and garagekeepers coverage for storage. Include each location and the largest number and combined value of vehicles you may hold.
Ask how the policy responds to fire, theft, vandalism and weather damage. Legal-liability coverage and direct-coverage options have different terms, including when your business must be legally responsible for the loss.
Roadside-network and customer requirements
Agero, HONK, Allstate Roadside, GEICO, AAA and Nation Safe Drivers each set provider insurance requirements. Copart and other auction customers may need coverage for different transport activities.
Send your agent the current requirements from the network, club or customer. Check the requested limits, certificates, workers’ compensation and additional-insured endorsements as part of your quote review.
How much does Minnesota tow truck insurance cost?
Truck values, driving records, claims, services, travel radius and coverage limits all affect your premium. Your garaging location and any storage yard are also part of the insurer’s review.
Compare the same limits and deductibles across quotes. Eligible telematics, prior-insurance and multi-policy discounts may offer savings. Review the annual cost alongside the first payment and installment schedule.
Get a Minnesota tow truck insurance quote
We welcome quote requests from Minneapolis–Saint Paul, Rochester, Duluth, St. Cloud and communities throughout Minnesota. Include regular trips into Wisconsin or other states so your coverage reflects where you work.
Have your truck VINs and values, driver information, business address, services and preferred start date ready. New business owners should include previous towing experience, even without a prior commercial policy.
We compare available insurers and explain your choices. Same-day quotes may be available for eligible, complete submissions, with coverage starting after insurer approval and completion of the required steps.
Get a Minnesota Tow Truck Insurance Quote
Read our workers’ compensation guide and roadside-network requirements.
