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Your Illinois tow truck insurance needs to protect the work you do and meet the requirements for your registration and customer contracts. We’ll help you put that coverage together, whether you’re starting with one truck or running an established fleet.
We’re an Illinois-based agency with more than 10 years of towing insurance experience. We know the state’s requirements and can help arrange your coverage, certificates, and insurance filings. If you need to get started right away, we’ll check whether same-day coverage is available after approval and completion of the required steps.
Get an Illinois Tow Truck Insurance Quote
What insurance does Illinois require for tow trucks?
The Illinois Secretary of State lists these minimum coverages for tow truck registration:
| Coverage | Registration minimum |
|---|---|
| Auto liability | $500,000 combined single limit |
| Garage liability | $500,000 combined single limit |
| On-hook coverage | $25,000 |
| Garagekeepers | $25,000 |
| Workers’ compensation | Required unless an applicable exemption applies |
Illinois allows specific coverage exceptions when a business has no repair or storage facility, when a sole proprietor has no employees, or when the business only tows vehicles it owns. Each exception applies to a particular coverage and must match your circumstances. The Secretary of State registration guidance explains the details.
Your operating authority, city permit, or customer contract may require additional coverage or higher limits. Our Illinois tow truck insurance requirements guide explains the certificate checklist, affirmation forms, and ICC filings that may apply.
Coverage for your daily towing work
Insurance for your own truck is only one part of the picture. Consider the customer vehicles you handle, your employees, and your business operations too.
- Commercial auto liability helps cover injuries and property damage you cause to others in an accident involving an insured truck.
- Physical damage helps pay for covered damage to the tow truck itself, with comprehensive and collision options.
- On-hook coverage helps protect customer vehicles during towing or transport.
- Garagekeepers legal liability helps cover damage to customer vehicles at an insured storage or service location when your business is legally responsible.
- Garage liability or general liability helps cover certain claims involving your premises and business operations. The appropriate policy depends on your services and requirements.
- Workers’ compensation helps cover employees’ work-related injuries and illnesses.
Tell us about roadside assistance, recovery, repairs, and every location where you store vehicles. Customer-vehicle limits should account for the number and value of vehicles in your care, including what could be at your yard at the same time.
Towing insurance in Chicago and the suburbs
Chicago has towing requirements in addition to the state’s registration rules. The city’s ordinance requires a certificate of insurance in the truck, available to authorized officials on request. See the Chicago tow truck insurance ordinance.
If you provide private-property removal or police-rotation services, send us the municipal or police requirements. We’ll check the coverage limits and certificate instructions alongside your state requirements.
We help businesses throughout Illinois, including Chicago and the suburbs, Aurora, Joliet, Rockford, Peoria, and Springfield. Include regular trips into Indiana, Wisconsin, or other states when you tell us about your operation.
Workers’ compensation for Illinois towing employees
Illinois generally requires workers’ compensation as soon as you have one employee, including someone who works part time. Coverage for owners and limited exceptions depends on the circumstances. The Illinois Workers’ Compensation Commission guidance explains who must be covered.
Review your coverage before a driver, helper, dispatcher, or office employee starts work. Paying someone as a contractor doesn’t settle their status. The working relationship determines whether workers’ compensation requirements apply.
Starting a new Illinois towing business?
You don’t need a previous commercial policy to request a quote. Tell us about the towing experience you gained with another company so insurers can consider your background.
We work with new businesses using rollbacks, flatbeds, wheel-lift trucks, and roadside-service vehicles. If your plans include heavy recovery, rotators, repossession, or multi-car hauling, include those services from the start. We can then look for insurers that consider that work.
Have your truck VINs and values, driver details, business address and planned start date ready. Send any lender’s insurance instructions and the requirements of networks or customers you expect to serve.
Motor clubs and customer insurance requirements
Agero, HONK, Allstate Roadside, GEICO, AAA and Nation Safe Drivers each have provider requirements. Auction customers such as Copart may request additional transport or storage coverage.
Share the current requirements for your program and services. We’ll check the limits, additional-insured endorsements, and certificate details before you send your insurance documents.
Illinois tow truck insurance cost and savings
Your premium depends on your trucks, drivers, location, travel area, services, and claims history. The limits and deductibles you select also affect the price, so compare what each quote includes.
We’ll compare available insurers and check which prior-insurance, multi-policy, or telematics programs you qualify for. Review the total premium along with the down payment, installments, and any fees to plan your insurance expenses.
Get an Illinois tow truck insurance quote
Send us your business, truck, and driver information, and we’ll help you compare policies and arrange the insurance documents you need. Tell us your preferred start date. Eligible businesses may be able to begin coverage the same day once the insurer approves the application and the required steps are complete.
Compare Illinois Tow Truck Insurance Quotes
Explore commercial auto insurance or find our insurance application forms.
Read our workers’ compensation guide for towing companies and roadside-network insurance requirements.
