Towing Service Insurance

Towing insurance can cover more than your typical wrecker or rollback truck.

Tow truck companies often carry the following:



• Garagekeepers legal liability insurance: Protects your customers' vehicles when they're parked on your property.
• On-hook towing insurance: Protects your customers' vehicles while you're towing them.
• Tow general liability insurance: Pays if you’re legally liable for bodily injury, property damage or personal injury that isn’t directly related to your covered vehicles.
  

Various towing insurance coverages that you'll want to consider for your commercial vehicles include:



• Liability insurance: This pays for injury that you cause to other people and damage to their property. It includes two coverages:
• Bodily injury liability insurance
• Property damage liability coverage
• Medical payments insurance: Pays for medical bills for you and the passengers in your vehicle in case they're hurt in an accident or auto-related injury.
• Physical damage coverage: Pays for repairs to your vehicle caused by an accident, like a collision with another vehicle or a falling tree branch. This towing insurance consists of three coverages:
• Collision insurance
• Comprehensive insurance
• Fire and theft with CAC insurance
• Uninsured motorist insurance: Pays for injury to you and your passengers caused by drivers who don't have insurance or adequate coverage. It also protects you in case of a hit-and-run. Uninsured motorist insurance for commercial tow trucks can include:
• Uninsured motorist insurance
• Underinsured motorist insurance
• Uninsured motorist property damage insurance, where available
  

Additional Coverages

• Workers' compensation
• Umbrella