Tow truck insurance
in New Hampshire.

Police rotation insurance requirements by town

Rotation programs set their own insurance requirements in writing. TowCover records a requirement only after checking the written policy, ordinance or contract, and links that source beside each entry.

• RSA 106-B — New Hampshire State Police
• Saf-C 9400 — Wrecker rotation rules (emergency rules document)
• New Hampshire State Police State police wrecker rotation
• Manchester Police Department Police rotation list
• Nashua Police Department Police rotation list
• Rochester Police Department Police rotation list
• Dover Police Department Police rotation list

Coverage types tow operators commonly carry

Which of these apply, and in what form, depends on the trucks, the work and the programs you join. Each explainer ends with questions to bring to a licensed agency.

• On-hook coverageThe vehicle you are moving.
• Garagekeepers coverageThe vehicles you store.
• Commercial auto liabilityClaims by others arising from your truck.
• General liabilityThe wider business operation.
• Workers’ compensationThe people doing the work.
• Umbrella coverageAdditional limits above underlying policies.

Starting a towing business in New Hampshire

A general order of operations. Confirm each step with the agency or authority named.

1. Set up the business entity and registrations

   Form the business, register it with the state and obtain the tax registrations your accountant or the state business portal calls for.

2. Confirm operating authority and vehicle registration

   Ask the state motor vehicle agency, and the federal motor carrier authority if your work crosses state lines, which registrations and markings apply to a tow truck.

3. Describe the trucks and the work before buying coverage

   Collect truck descriptions, driver records, operating radius and the kinds of calls you expect to accept. Bring that description to a licensed agency.

4. Request each rotation program’s written requirements

   Ask every police department or authority whose list you want to join for its current application and insurance requirements in writing.

5. Check the storage lot

   Confirm local zoning, permits and any impound rules with the municipality before storing customer vehicles.

6. Match certificates to what each program asks for

   Have the agency issue certificates in the form each rotation program requires and keep copies with your application.

Questions to ask your agent

• Which rotation programs in New Hampshire do I plan to join, and which certificate form does each one need?
• Which vehicles, drivers and operations are included, and how do I add new ones?
• Where does on-hook protection begin and end on a typical call, and how does garagekeepers take over at the lot?
• What conditions or exclusions should I understand before I accept a recovery, impound or long-distance job?
• Which documents should I keep for each tow and each stored vehicle?
• How and when do I report a claim, and who do I call after hours?