Commercial auto liability
The truck on the road.
Addresses covered injury or damage to others arising from use of your tow truck. Ask which vehicles, drivers and operations are included.
Tow truck insurance,
explained in plain English.
Tow truck insurance addresses your truck, customer vehicles and business operations through different coverages. Understand which questions to ask, then call a licensed agency directly. Independent guide · Not an agency.
Written for the work you do.Start with on-hook coverage
State index
State names and abbreviations; city search currently includes Manchester, Nashua, Rochester and Dover, NH. Searches stay in your browser.
Coverage BuilderYour operation, five steps, better questions.Underwriter’s ViewExplore the factors behind a rate discussion.Call-ready packetPrepare and print your conversation checklist.
Inside this guideProtect the truck & the towUnderstand the cost factorsPrepare for your first policy
One operation.
Different things to protect.
The six coverages to understand when building a tow insurance program. The policy wording determines what is covered.
On-hook
The vehicle you are moving.
Addresses covered damage to a customer’s vehicle while it is being towed or transported. Policy wording determines when protection begins and ends.
Read the on-hook guideGaragekeepers
The vehicles in your care.
Addresses covered damage to customer vehicles in your custody at a storage location. Discuss your lot, overnight storage and the basis of coverage.
Physical damage
Your truck and equipment.
Addresses covered damage to your own scheduled truck. Check how the chassis, body and attached towing equipment are described.
General liability
The wider business operation.
Addresses certain claims of injury or property damage connected to business operations. It does not replace a commercial auto policy.
Workers’ compensation
The people doing the work.
Addresses covered work-related injuries or illness for employees. Applicable requirements depend on your state and business circumstances.
What actually
drives your premium.
There isn’t one useful price for every tow operator. These are the details that make your operation different.
Illustrative cost range[RANGE]Placeholder, not an estimate.
Truck class and value
Include the chassis, body, wheel lift, rollback bed and attached equipment.
Operating radius
Local work and interstate travel need to be described accurately.
Drivers and experience
Driving records, towing experience and who will operate each truck matter.
The work you accept
Consent towing, rotation calls, impounds and repossessions create different exposures.
Storage and lot security
Explain where vehicles stay, access controls and how the lot is monitored.
Loss history
Have current loss runs ready and be prepared to discuss previous claims.
Time in business
Describe your operating history and whether you run under your own authority.
A better conversation
starts with better questions.
Choose your state to see its sponsored agency. Calls go directly to the agency.
Choose your stateThe work is local.
So are the requirements.
Start with the authority that sets your rules. These New England guides separate coverage questions from rotation requirements.
State index
State names and abbreviations; city search currently includes Manchester, Nashua, Rochester and Dover, NH. Searches stay in your browser.
The state of your state.
Data awaiting verification Outlined Active sponsor record
ALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWY
Sponsor records and requirements are independent. Active example placements still contain unverified agency details.
NHVTMEMACTRI
New Hampshire
View state guideVermont
View state guideMaine
View state guideMassachusetts
View state guideConnecticut
View state guideRhode Island
View state guideAlso available: North Carolina guide
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Your first truck.
Your first policy.
Starting a tow company? Get these details together before you talk to an agency.
Have your details ready
Collect truck descriptions, driver information, operating radius and the types of calls you expect to accept. Share these directly with your agency.
Match the truck to the work
Discuss your planned equipment and towing operations before committing to a truck. Ask how they affect coverage availability.
Check rotation requirements
Request the current written rules from each authority whose list you want to join. Different lists may ask for different documentation.
Check the loss payee
If the truck has a lienholder, the policy must list them as loss payee.
A few straight answers
Does TowCover sell insurance?
No. TowCover is an independent information website, not an insurance agency or carrier. We do not provide quotes or sell policies.
Where does a sponsored call go?
Your call goes directly to the agency shown for your selected state. TowCover does not collect your details or handle the conversation.
Are on-hook and garagekeepers the same?
They address different parts of an operation: moving customer vehicles and keeping vehicles in your care. Names and coverage terms vary. Ask your agency how your policies work together.
Are the amounts on these examples verified?
No. Bracketed limits, costs, dates and agency details are placeholders. Verify current requirements with the issuing authority and coverage with a licensed agency.