Commercial Tow Truck Insurance

Starting a towing business?

You can request insurance for a new towing company even if you’ve never had a commercial policy. Tell us about your previous towing work, equipment and planned services so insurers can consider your experience.

We work with first-time owners and growing fleets. Your company’s insurance history is one part of the application; your driving background and the work you plan to do matter too.

Include all your services, such as voluntary towing, roadside assistance, storage, police rotation, private-property towing, repossession and heavy recovery. Before adding a service, ask us to check whether your coverage needs to change.

Illinois Tow Truck Insurance Requirements

If you operate in Illinois or Chicago, our Illinois tow truck insurance requirements page explains the coverage and documents to review. We’ll help you identify which requirements apply to your business.

Insurance for your trucks and services

We help arrange coverage for rollbacks, flatbeds, wheel-lift wreckers, conventional wreckers and roadside-service trucks. Let us know if you use heavy wreckers, rotators, multi-car carriers or repossession equipment, as these may need a more detailed insurer review.

Have each truck’s year, make, model, VIN, value and equipment details ready. Tell us if you carry several vehicles at once or keep customers’ vehicles at a yard.

We focus on Illinois and Chicago and also welcome towing insurance requests from Indiana, Ohio, Missouri, Texas, Wisconsin and Minnesota. Your options depend on the state, insurer and type of work you do.

Meeting roadside-network insurance requirements

Planning to work with Agero, HONK, Allstate Roadside, GEICO, AAA or Nation Safe Drivers? We can help you review their insurance requirements, along with requests from auction and transport customers such as Copart.

Send us the organization’s current written requirements. We’ll review the limits, certificates, additional-insured requests and workers’ compensation coverage with you.

Insurance is one part of the provider application. Each organization makes its own acceptance and work-assignment decisions. Our roadside-network and contract insurance guide explains the insurance documents to prepare.

Discounts and payment options

We’ll check the savings your business may qualify for, including telematics, prior-insurance and multi-policy programs. If this is your first commercial policy, let us know about your personal auto insurance history too; some insurers take it into account.

Compare the annual premium, deductible and payment schedule together. A lower down payment can help with cash flow, but it doesn’t always mean a lower total cost. Our guide explains how to save on tow truck insurance.

Our Progressive tow truck insurance guide covers its coverage options and available savings, with a sample quote comparison to show how the figures can differ.

How much does tow truck insurance cost?

Your premium depends on your trucks, where you keep them, your drivers, services, coverage limits and insurance history. A quote based on those details will give you a more useful figure than a general average.

Share your details once, and we’ll help you compare available insurers, coverage and payment plans.

What does tow truck insurance cover?

Tow truck insurance brings together several coverages. Your trucks, customer vehicles, employees and daily operations each need to be considered when choosing a policy.

• Commercial auto liability

  Commercial auto liability helps pay for injuries and property damage you cause to others in an accident involving an insured truck. Your limits should meet applicable state and contract requirements. Coverage for the customer’s vehicle being towed needs a separate review.

• Physical damage for your truck

  Comprehensive and collision help pay for covered damage to your truck. We’ll review its value, attached equipment, deductible and any lender requirements with you. Ask how a total-loss payment would be calculated as well. Physical damage coverage explained

• On-hook towing coverage

  On-hook coverage helps pay for damage to a customer’s vehicle while you tow or transport it. Check how the policy treats loading, unloading and multiple vehicles on one load, and choose limits that reflect the vehicles you handle. On-hook towing coverage explained

• Garagekeepers legal liability

  Garagekeepers legal liability helps cover damage to customer vehicles at an insured storage or service location when your business is legally responsible. Direct-primary or direct-excess options may also be available. We’ll explain how those options respond differently to a claim.

• General liability or garage liability

  General liability or garage liability helps cover certain claims arising from your operations, such as a customer being injured at your premises. The policy should match your services and any garage-liability requirement in a permit or contract.

• Workers’ compensation

  Workers’ compensation helps cover employees’ work-related injuries and illnesses. For a towing business, that can include injuries while loading vehicles, handling equipment or working alongside traffic.

Do you need workers’ compensation?

Hiring a driver or helper may bring workers’ compensation requirements. Include part-time staff, family members and contractors in the review. Paying someone on a 1099 doesn’t, by itself, determine their legal status.

We’ll review your staff, ownership, work locations and payroll. Coverage choices and exemptions for owners depend on the state and business structure, so confirm whether you’re included before relying on the policy for your own injuries.

Ohio generally provides workers’ compensation through its state fund, with approved self-insurance available to qualifying employers. We can help explain what that means for your coverage review. Ohio workers’ compensation law

Certificates, filings and other insurance documents

Our filings and operating authority guide explains regulatory insurance documents. You can also check what belongs on a tow truck certificate of insurance and what to prepare for your towing quote.