You will need a combination of the following coverages:

Commercial Auto Liability

This coverage is essential and is designed to pay for injuries and damages caused by your negligence, such as the cost of repairs to another vehicle or compensating a pedestrian or the driver of another vehicle for pain and suffering. As a towing company operator, the liability limits you are required to carry will depend on the weight rating of your vehicles. Generally, for vehicles weighing under 10,000 pounds, the minimum liability limit is $300,000. For vehicles in excess of 10,000 pounds, the minimum increases to $750,000. However, when you are involved in contract work for private companies or government entities, the requirement may be $1 million or higher.

Towing companies operating locally and not crossing state lines are likely required to obtain state permits and/or filings, such as Form E, or a state DMV certificate of insurance. For towing operators working across state lines, filings like BMC-91 and endorsements such as MCS-90 are typically required.

Please note that regulations and requirements may change, so it is advisable to consult with an insurance professional to ensure that your towing company is compliant with the most current laws and regulations.

Physical Damage

There two types of coverage normally offered and purchased:

Collision Coverage – pays for damages to your truck caused in a motor vehicle accident (regardless of fault).

Comprehensive Coverage – pays for damage to your vehicle caused by other than collision incidents, such as fire, vandalism, falling objects and theft.

When you purchase physical damage coverage, carefully consider your vehicle’s condition, modifications, and research its market value, so our agents can help you purchase proper limits of coverage.

On Hook Towing

This specialized insurance provides coverage for damages to vehicles not owned by the towing company while they are being towed or attached to the tow truck. On-Hook Towing Insurance covers the cost of repairs or replacement if a customer’s vehicle incurs damage solely while it’s hooked to the tow truck.

Garage Keeper Legal Liability

This coverage offers protection for customer vehicles while they are in your care, custody, and control at your facility. Typically, claims under this coverage include damages resulting from theft, vandalism, fire, or weather-related incidents.

General Liability

This coverage protects you from claims arising from injuries and property damage inflicted on third parties due to activities not directly associated with operating the tow truck. This includes instances such as a customer slipping and falling at your premises, or negligent actions by your driver within the scope of your operations (excluding motor vehicle accidents).

Underinsured Motorist

This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of an underinsured party. An underinsured party is someone who has auto liability limits that are lower than the value of your claim.

Uninsured Motorist

This coverage pays you for injuries sustained in a motor vehicle accident caused by negligence of an uninsured party.

Medical Expenses (Personal Injury Protection)

Depending on the state, this coverage may cover your and/or pedestrian’s medical expenses incurred due to motor vehicle accidents.

Our Latest Success Stories:

February 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Illinois Dry van, mostly amazon and mail, liability, cargo and physical damage $16,500
Pennsylvania Flatbed operations, liability, cargo and physical damage $15,300
Pennsylvania Cargo vans, liability, cargo and physical damage $8,200
New Jersey Dry vans, with claims and violations, liability, cargo and physical damage $25,000
Pennsylvania Dry vans fleet, liability and cargo $12,700
Pennsylvania Car hauler, 0% loss ratio, liability, physical damage and cargo $9,800
Ohio Dry van, liability and cargo with prior claims $15,300
Pennsylvania Car hauler, liability and cargo $14,600
New Jersey Refrigerated goods hauling, liability and cargo $16,500
Tennessee Dry vans, liability and cargo $10,800

January 2024

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Car hauler with prior claims, liability, cargo and physical damage $19,000
New Jersey Dry van fleet, liability and cargo $14,000
Texas Straight trucks fleet, liability and cargo $11,500
Ohio Cargo vans, liability and cargo $8,000
New Jersey Car hauler, exceptional safety scores and loss ratio, liability and cargo $7,400
Pennsylvania Dry van operations, small fleet, liability, cargo and physical damage $14,800
Ohio Straight trucks, liability, physical damage and cargo $8,800
Pennsylvania Flatbed operations, liability, cargo and physical damage $12,500
Tennessee Dry vans, liability, cargo and trailer interchange $13,200
South Carolina Refrigerated goods hauler, liability, cargo with reefer breakdown and physical damage $12,800

December 2023

STATE CLIENT’S CASE PRICE PER TRUCK
Pennsylvania Towing operations, liability and on hook coverage $9,200
New Jersey Lapse in coverage and prior claims, liability and cargo with reefer breakdown $16,500
Texas Cargo van, long haul, liability, physical damage and cargo $9,900
Ohio Ohio dry van fleet mostly hauling for Amazon, auto liability $10,200
Pennsylvania Car hauler, auto liability, cargo and physical damage $14,600
Ohio Dry van new venture, inexperienced driver, liability, cargo, trailer interchange and general liability $17,700
Pennsylvania Flatbed, auto liability, cargo, physical damage and general liability $12,600
Maryland New venture, liability, cargo, trailer interchange and general liability $12,500
Kentucky Non truck liability and physical damage $2,200
Pennsylvania Dry van, liability, cargo, physical damage and general liability $10,600
Ohio Dry van fleet, liability, cargo, physical damage and trailer interchange $14,000
Illinois Non truck liability and physical damage for a new truck $5,200

November 2023

STATE CLIENT’S CASE PRICE PER TRUCK
South Carolina Long haul trucking, refrigerated goods, liability, cargo and physical damage $8,700
Ohio Dry van, new venture, liability and cargo $12,200
Illinois Cargo vans, long haul, auto liability $7,150
Texas Dry van, new venture, liability, physical damage, and cargo $18,500
Pennsylvania Cargo van fleet, long haul, liability, cargo, and physical damage $7,800
Illinois Car haulers with claims, auto liability, physical damage and cargo $21,000
Pennsylvania New venture dry vans, liability, cargo and physical damage $13,800
Ohio Dry vans fleet, mostly Amazon, long haul, auto liability $9,000
Pennsylvania Car hauler, hotshot, many years in business, liability, cargo and physical damage $5,200
Illinois Dry vans, auto liability, cargo and general liability $11,300

October 2023

STATE CLIENT’S CASE PRICE PER TRUCK
Illinois Car haulers hotshots, liability, physical damage and cargo $11,500
Tennessee Dry van fleet, auto liability and cargo $16,500
Pennsylvania Reefer fleet, auto liability and cargo with reefer breakdown $14,000
New Jersey Dry van, liability with cargo $14,300
Tennessee Auto liability with cargo dry van $13,800
Pennsylvania Towing operations, lability, on hook and physical damage $10,200
Ohio Cargo van, liability, cargo and physical damage $8,400
Pennsylvania Car hauling fleet, liability and cargo $16,000
North Carolina Non truck liability and physical damage for a new truck $4,300
Ohio Auto liability and cargo for dry van $7,400

September 2023

STATE CLIENT’S CASE PRICE PER TRUCK
New Jersey Straight truck, auto liability, physical damage and cargo $12,000
North Carolina Cargo van fleet, liability, cargo and physical damage $9,200
New Jersey Reefer, auto liability, physical damage and cargo $17,000
Pennsylvania Car hauler, auto liability, physical damage and cargo $16,500
Ohio Dry van, auto liability, cargo, trailer interchange and general liability $12,500
South Dakota Fleet 30+ units, liability and cargo $13,100
Ohio Cargo van, liability and cargo $6,300
Pennsylvania Non truck liability and physical damage $2,600
Pennsylvania Car hauler, auto liability and cargo $12,400
Texas Non truck liability and physical damage $2,400

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Contact us and catch your free quote.

Insurance Companies We Work With:

Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Inter Fidelity
Exchange
A-One Commercial Insurance
ASPEN AMERICAN
INSURANCE
Bell & Clements LTD
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Falls Lake National Insurance

Great American Insurance
Great Lakes Insurance SE
Hiscox
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance
Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Fire Insurance
National General Insurance
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Northfield Insurance
Northland Insurance
Occidental Fire and Casualty

Palomar
Pan American
Philadelphia Insurance
Companies
PMA Companies
Prime Insurance
Progressive
Scottsdale Insurance
Shepherd Compello
Star Mutual
Trisura Specialty Insurance
United Financial Casualty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners

Lloyds of London
Maxum Indemnity
Milford Casualty Insurance
National Fire Insurance
National General Insurance
NEXT
NICO
Northfield Insurance
Northland Insurance
Occidental Fire and Casualty
Palomar
Pan American
Philadelphia Insurance
Companies
PMA Companies
Prime Insurance
Progressive
Scottsdale Insurance
Shepherd Compello
Star Mutual
Trisura Specialty Insurance
United Financial Casualty
UPMC
USLI
Valley Forge Insurance
Wesco Insurance
White Pine Insurance
Work Partners

Accredited Surety and Casualty Company
Agency Insurance Company (AIC)
American Inter Fidelity
Exchange
A-One Commercial Insurance
ASPEN AMERICAN
INSURANCE
Bell & Clements LTD
Berkshire Hathaway
Canal Insurance
Canopius
Canopius US Insurance Inc
Capitol Specialty Insurance
CNA
County Hall Insurance
Crum & Forster
DB Insurance
Falls Lake National Insurance
Great American Insurance
Great Lakes Insurance SE
Hiscox
IAT Insurance Group
James River Insurance
Knight Specialty Insurance
Lancer Insurance
Lexington Insurance