Towing is physical work done at the roadside. Workers’ compensation is about the people doing it.
What workers’ compensation addresses
Workers’ compensation addresses covered work-related injury or illness for employees. Whether it applies, and to whom, depends on state rules and how your business is structured.
Questions to ask your agent
Bring these to a licensed agency. They are prompts for a conversation, not a checklist of what you must buy.
How do my state’s rules treat owners, family members and part-time drivers?
What records do I need to keep for payroll and classification?