Tow Truck Insurance

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Customized Tow Truck Insurance Coverage

Tow truck businesses tow disabled vehicles. If you own a tow truck or a towing business, you need tow truck insurance. Examples of the types of businesses that need commercial tow truck insurance include:

Roadside service providers
Auto body shops
Auto mechanical repair shops
Auto salvage and auction haulers
Auto Club contractors

Tow Truck Insurance Coverages

The most common types of tow truck insurance coverages include:

1

Liability Insurance
Pays for injury that you or your driver cause to other people. Also covers damage to their property. There are two types of liability coverage: bodily injury liability and property damage liability coverage.
2

Medical Payments Insurance
If you or your passengers are hurt in accident, medical payment coverage pays for the medical bills.
3

Physical Damage Coverage
Pays for repairs to your tow truck caused by accident such as a collision with another vehicle or fallen tree branch. Physical damage coverage consists of three types of coverage: collision insurance, comprehensive insurance, and fire and theft.

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Towing and Storage Protection

Tow truck insurance can cover more than just your tow truck. Many tow truck companies offer the following optional protections:

Garagekeepers Legal Liability Insurance

Optional coverage that provides coverage for any damages that are sustained by a vehicle in service while it is parked or being stored in a covered location.
On-Hook Towing Insurance

Optional coverage that is designed specially for tow truck operators. It pays for repairs or replacement costs if a vehicle you do not own is damaged while you are towing it. This includes damage caused by collision, theft, fire, explosion, or vandalism.

Tow Truck Insurance Cost

The cost of tow truck insurance varies. Similar to standard auto insurance, the cost of towing truck insurance depends on several factors such as location, driving history, and type of towing. When you insure your tow truck business through Freeway, you can be certain that you are getting the best coverage and the lowest rate.

Freeway compare rates from top insurance companies to help you find cheap tow truck insurance that fits your needs. Request a tow truck insurance quote online by entering your zip code at the top of the page or by calling us.