Towing Insurance — hard-to-place, handled.
Towing is one of the toughest classes to insure — and we love it. We cover tow operators with auto liability, on-hook, and garagekeepers, including the limits motor clubs and municipalities demand.
Coverage you probably need
Commercial Auto Liability
Covers injuries and damage you cause while operating tow trucks.
On-Hook / Cargo
Protects vehicles you're towing while in transit.
Garagekeepers
Covers vehicles stored in your impound lot or yard.
Physical Damage
Covers your own trucks and equipment.
Workers Compensation
Required in most states for your drivers.
What can go wrong
- A vehicle you're towing is damaged in transit.
- A vehicle in your impound lot is damaged or stolen.
- An accident while operating a tow truck.
- A driver is injured on a roadside call.
What carriers usually ask
- Number and types of trucks (light, medium, heavy, repo).
- Operating radius and whether you run an impound lot.
- Driver records (MVRs) and experience.
- Contracts (motor clubs, municipal/police rotation).
Common contract wording
Motor clubs and municipal contracts require specific Auto Liability, On-Hook, and Garagekeepers limits and Additional Insured status, with a COI before dispatch.
State notes: Towing eligibility and required limits vary widely by state and contract; we shop carriers that write the class.
Get covered for Towing Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentTowing Insurance FAQs
What's the difference between on-hook and garagekeepers?
On-hook covers vehicles while you're towing them; garagekeepers covers vehicles stored in your lot.
Can you write police-rotation or repo towing?
Often yes — these are specialized, and we work with carriers that handle them.
Why is towing so hard to insure?
High-frequency, high-severity risk. We specialize in placing tough classes like this.
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.