Transportation Insurance

Tow-Truck Insurance

Coverage built around the equipment you run and the vehicles you're trusted to protect.

Tow Truck Equipment & Vehicle Types

Flatbed

Uses a hydraulic bed to safely load and transport vehicles completely off the ground — the safest option for luxury, damaged, or all-wheel-drive vehicles.

Wheel-Lift

Raises the front or rear wheels of a vehicle for towing. Commonly used for quick roadside assistance and short-distance tows.

Hook & Chain

Uses chains to pull vehicles by the axle or frame. Typically used only for junk or severely damaged vehicles due to the risk of damage.

Light-Duty

Designed for passenger cars and small SUVs — the most common tow trucks used for everyday towing services.

Medium-Duty

Used to tow larger vehicles such as box trucks, RVs, and delivery vehicles — more power and capacity than light-duty tow trucks.

Heavy-Duty

Built to recover and tow large commercial vehicles including buses and semi-trucks — used for major roadside recoveries.

Boom

Equipped with a hydraulic boom to lift vehicles from ditches or difficult locations — primarily used for recovery rather than standard towing.

Protect Your Future Today

Coverage tailored specifically to tow operators.

Auto Liability

Covers bodily injury and property damage caused to others while operating a tow truck. Required by law — does not cover damage to your own vehicle.

Motor Truck Cargo (On-Hook)

Often called on-hook coverage for tow trucks, protects vehicles you are towing if they are damaged while in your care — critical during transport.

Physical Damage

Covers repair or replacement of your tow truck if damaged in an accident, fire, theft, vandalism, or weather event — protects your truck itself.

Garage Keepers Legal Liability

Covers damage to customer vehicles while parked, stored, or waiting at your lot — applies to fire, theft, vandalism, or collision.

General Liability

Covers bodily injury and property damage that occur off the road — incidents at your office, lot, or job site not related to driving.

Workers' Compensation

Covers medical expenses and lost wages for employees injured on the job — required in most states if you have employees.

Run a Tow Truck? Let's Get You Covered.

Tell us about your equipment and we'll put together tailored coverage options.

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