Tow Truck & Wrecker Insurance
Towing operations face risks most commercial auto policies don't cover — from damage to vehicles on your hook to injuries during roadside recovery. Our agency provides specialized tow truck coverage that protects your trucks, your customers' vehicles, and your business from the unique liabilities that come with towing and recovery work.
Coverages we place
- On-hook / tow truck cargo coverage (protects vehicles you're towing)
- Garage keepers liability (vehicles stored at your yard)
- Commercial auto liability for tow trucks and flatbeds
- Physical damage for wreckers, rollbacks, and flatbed trucks
- General liability for towing operations
- Workers' compensation for tow truck drivers
- Hired & non-owned auto
- Roadside assistance equipment coverage
Who needs this coverage
Towing companies, wrecker services, roadside assistance providers, recovery operators, and auto clubs. Whether you run a single tow truck or a fleet of wreckers, you need tow-truck-specific coverage — standard commercial auto won't cover on-hook liability or garage keepers exposure.
What drives your premium
- Number and type of tow trucks (flatbed, wheel-lift, heavy-duty wrecker)
- Towing radius (local vs. highway)
- Storage yard capacity and security
- Annual tow volume
- Driver experience and MVR
- Claims history
Common exclusions
- Pre-existing damage to towed vehicles
- Intentional damage
- Towing without proper licensing
- DUI incidents
- Mechanical breakdown of your own equipment
Frequently asked questions
How much does tow truck insurance cost?
Tow truck insurance typically costs $5,000–$15,000 per truck per year depending on the type of towing (light-duty vs. heavy-duty wrecker), your claims history, and whether you do roadside recovery or just transport. We shop 15+ carriers to find the best rate.
What is on-hook coverage?
On-hook coverage (also called tow truck cargo insurance) protects vehicles that are being towed or transported on your truck. If a customer's vehicle is damaged while on your hook or flatbed, this coverage pays for the damage. It's essential for every towing operation.
Do I need garage keepers insurance?
If you store vehicles at your lot — even temporarily — you need garage keepers liability. It covers damage to customers' vehicles while they're in your care, custody, and control at your storage facility. Without it, you're personally liable for any damage.
Can new towing companies get insurance?
Yes. We work with carriers that accept new venture towing operations. Rates will be higher initially, but we help you build a coverage history and transition to lower-cost carriers as you establish your business.
Related coverage
Get a free quote or call (321) 206-8035.