On-hook coverage
The vehicle you are moving.
Understand what on-hook coverage addresses, where it fits in a towing insurance program and which questions to bring to a licensed agency.
Read the explainerOne operation.
Different things to protect.
Each explainer describes what a coverage is for, where it fits beside the others and the questions to bring to a licensed agency. None of them recommends a policy, a limit or a carrier.
Garagekeepers coverage
The vehicles you store.
What garagekeepers coverage is for, how it differs from on-hook, and what to ask about your storage lot before you talk to a licensed agency.
Read the explainerCommercial auto liability
Claims by others arising from your truck.
What commercial auto liability addresses for a tow truck, why personal auto policies do not fit, and what to ask a licensed agency about drivers and vehicles.
Read the explainerGeneral liability
The wider business operation.
How general liability differs from commercial auto liability for a towing business, and the questions to bring to a licensed agency.
Read the explainerWorkers’ compensation
The people doing the work.
What workers’ compensation addresses for tow company employees, why state rules matter, and what to ask a licensed agency.
Read the explainerUmbrella coverage
Additional limits above underlying policies.
What an umbrella policy does for a towing business, how it sits above underlying coverages, and what to ask a licensed agency.
Read the explainer