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Your Illinois towing insurance needs to fit your daily work and meet the requirements for registration and customer contracts. We’ll help you compare coverage for your first tow truck or 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 you arrange coverage, certificates and insurance filings. Same-day coverage may be available once your application is approved and the required steps are complete.
Get an Illinois Tow Truck Insurance Quote
Illinois tow truck insurance requirements at a glance
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 |
You may qualify for a limited exception if you have no repair or storage facilities, are a sole proprietor without employees, or tow only vehicles your business owns. The affirmation must match your circumstances. See the Secretary of State registration guidance.
Your operating authority, city permit or customer contract may call for more coverage. Our Illinois tow truck insurance requirements guide walks you through the certificate checklist and affirmation forms.
Coverage that follows the work you do
Your truck, the customer’s vehicle and your business operations each need protection. These are the coverages to review:
- 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. Your customer-vehicle limits should reflect what you handle, including the combined value of vehicles that could be at your yard at once.
Towing insurance in Chicago and the suburbs
Chicago towing businesses must account for city requirements as well as state registration. The city’s towing ordinance requires a certificate of insurance to be carried in the truck and shown to authorized officials on request. Chicago tow truck insurance ordinance.
Let us know whether you offer roadside towing, private-property removal or police-rotation services. Send the municipal or police contract so we can review its limits and certificate instructions with your other requirements.
We help towing businesses in Chicago and the suburbs, Aurora, Joliet, Rockford, Peoria, Springfield and communities throughout Illinois. Include regular trips into Indiana, Wisconsin or other states when you apply.
Workers’ compensation for Illinois towing employees
Illinois generally requires workers’ compensation when a business has even one employee, including a part-time employee. Coverage should be in place when employment begins. Owner coverage and limited exceptions depend on the circumstances. Illinois Workers’ Compensation Commission guidance.
Before hiring, review coverage for drivers, helpers, dispatchers and office staff. Worker classification depends on the working relationship; paying someone on a 1099 doesn’t automatically remove a workers’ compensation requirement.
Starting a new Illinois towing business?
You can request a quote even if this is your first commercial policy. Tell us about the towing experience you gained while working for another company.
We work with new businesses using rollbacks, flatbeds, wheel-lift trucks and roadside-service vehicles. Include plans for heavy recovery, rotators, repossession or multi-car hauling so we can 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 service type. We’ll review the limits, additional-insured endorsements and certificates 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 choose also affect the price.
We’ll compare available insurers and check for telematics, prior-insurance and multi-policy savings. Review the total premium alongside the payment schedule so you can plan for both the down payment and installments.
Get an Illinois tow truck insurance quote
Send one quote request, and we’ll help you compare policies, prepare the insurance documents and coordinate your preferred start date. Eligible businesses may be able to start coverage the same day after insurer approval and completion of the required steps.
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.
