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Roadside networks often require specific insurance limits and documents before you can accept calls. We help towing businesses review their coverage and prepare certificates for Agero, HONK, AAA, and other roadside or transportation customers.
Send us the insurance instructions for each network you plan to join. We’ll review your commercial auto, business liability, customer-vehicle coverage, and workers’ compensation against those requirements.
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What insurance do roadside networks require?
Networks commonly request auto liability, general or garage liability, on-hook coverage, garagekeepers, and workers’ compensation. The combination you need depends on your services, storage facilities, and employees.
Compare the network’s instructions with your state requirements. If the law requires a higher limit, that requirement still applies. Networks may also set different limits and endorsements for different programs or services.
Agero insurance requirements
Agero’s published guidance lists liability requirements from $300,000 to $1 million. On-hook and garagekeepers requirements range from $100,000 to $150,000 for applicable towing and storage services. Your program determines which limits you need.
Agero also addresses workers’ compensation where applicable and additional-insured status on general and auto liability. Send us the instructions for your account so we can check the coverage and endorsements before issuing the certificate.
Agero’s published instructions give this address for insurance submissions:
Agero Administrative Service Corp
C/O Evident ID, Inc.
8520 Allison Pointe Blvd Ste 223 #52150
Indianapolis, IN 46250-4299 US
HONK insurance requirements
HONK’s public guidance lists general and auto liability limits of $100,000 per person and $300,000 per accident for bodily injury, plus $100,000 for property damage. It also accepts a $300,000 combined single limit.
For partners providing towing and storage, HONK lists $50,000 in garagekeepers/on-hook coverage. Check those limits against your services and any higher state requirements.
HONK says listing it as a certificate holder is optional and provides this address:
HONK Technologies, Inc.
548 Market Street #28677
San Francisco, CA 94104
AAA requirements vary by club
Ask the AAA club handling your provider agreement for its insurance checklist. Requirements and submission procedures can differ between clubs.
For example, AAA Club Alliance publishes these minimums:
- General or garage liability and auto liability: $500,000 for towing providers handling up to 600 calls annually; $1 million for more than 600 calls annually.
- Customer-vehicle coverage: $100,000 per occurrence for light-service and towing contractors. Towing providers must have on-hook coverage; facility operations also affect garagekeepers requirements.
- Employees: Workers’ compensation coverage or qualifying exemption evidence, plus applicable employers’ liability limits and a waiver of subrogation.
Club Alliance also requires additional-insured status on the specified liability policies. Commercial auto liability applies to road-service providers as well as towing providers.
Review AAA Club Alliance’s complete provider requirements, including insurer qualifications and employers’ liability limits.
Other roadside and transportation customers
Allstate Roadside
Your Allstate provider application or agreement sets out the coverage, limits, and certificate details required for your services. Share those instructions with us when you request coverage.
Provider support is available at arsnetworksupport@allstate.com. See the official Allstate Roadside contact page or provider portal.
GEICO Emergency Road Service
Request the current onboarding and insurance instructions from GEICO’s provider team. We can review them with you before preparing your certificate.
Provider contact: ERSPS@geico.com
GEICO Emergency Road Service
PO Box 8075
Macon, GA 31208-8075
GEICO’s official provider contact information.
Nation Safe Drivers / NSD
Ask NSD for the insurance checklist that applies to your services. Review the required endorsements and certificate-holder information alongside your coverage.
Visit the official NSD network application.
Copart towing and transportation
Copart assignments may involve auction transport, multiple vehicles, or storage between trips. Include your equipment, loads, and storage practices when you request a quote.
Have your transportation agreement ready so we can review its liability, customer-vehicle coverage, and certificate requirements with the insurer. Visit Copart.
Prepare your certificate of insurance
A certificate holder receives proof of your insurance. An additional insured receives the protection provided by your policy or an endorsement. If a network requests both, check that the policy and certificate reflect the request.
Check your business name, limits, coverage dates, and the recipient’s instructions. A waiver of subrogation or other endorsement must be part of your policy before it can appear on the certificate. The Texas Department of Insurance explains these rules.
Use the checklist and sample in our tow truck certificate of insurance guide to review the details. Your agent or insurer will issue the certificate for your business.
Get insurance for your network application
Send us your truck and driver information, services, storage locations, employee details, and network requirements. We’ll compare available insurers and help arrange the coverage and documents for your application.
Get a Tow Truck Insurance Quote
Explore workers’ compensation for towing companies or our tow truck insurance overview.
