How to get tow truck insurance for your business

If you have a tow truck business, you probably need to get tow truck insurance. Maybe it’s not something you’re looking forward to. Maybe it’s something you’re dreading. Or maybe it’s something that you’re wondering how to do. Getting tow truck insurance sounds like it might be complicated. We’ll explain how to get insurance for your tow truck business. Basically, you’ve got to think about what coverages you need. Then you have to go about getting quotes. So, here it goes!

How to get tow truck insurance.

Consider your business and what coverages you need.

Before you get quotes for tow truck insurance, it might be helpful to have an idea of what coverages might be right for your business. Of course, it’s also important to discuss your business and insurance need with a trustworthy insurance advisor or agent, but you can get an idea of what each coverage is and what it will protect your business from.

Many tow truck businesses consider the following coverages:

Auto liability insurance:

Auto liability insurance can help you cover your legal obligation to the other driver if you are in an at-fault accident. It can also help you cover your legal expenses.

  • Bodily injury liability can help you cover the other driver’s medical bills.
  • Property damage liability can help you cover the costs of repairing or replacing the other driver’s car – or repairing any other property you might happen to damage with your tow truck.

Physical damage insurance:

Physical damage insurance can help you get your tow truck or wrecker back on the road ASAP if it gets damaged.

  • Collision coverage can help you repair or replace your truck if you’re in an accident.
  • Comprehensive coverage can help you repair or replace your truck if it’s damaged by something other than an accident. It can cover losses like fire, vandalism, falling objects (i.e. trees), and animal strikes. It can also cover theft.


If you have care, custody, or control of your clients’ vehicles, garagekeepers insurance can help you cover damage that happens to those cars while they’re in your care. (For example, if you ever store customers’ vehicles on your premises.) It covers losses like fire, lightning, vandalism, and even theft.

Garage liability.

Garage liability can help you cover liability-related claims of bodily injury or property damage that occur because of the services your business provides or the day-to-day operations of your business. (For example, if you change someone’s tire and the tire pops off just down the road, causing them to get into an accident.)


This will protect the client’s car while it’s attached to your tow truck.

Wrongful repo.

This can help you if you repossess cars. There’s always the chance that you could repossess a car that you weren’t supposed to. It’s a form of Errors and Omissions coverage for people who do repossessions.

We can help you save on your tow truck insurance.

If you’re not quite sure what coverages you need, no worries – we can help. Fill out our online quote form or give us a call to get in touch with one of our tow truck insurance professionals.

Get multiple tow truck insurance quotes.

Now that you’ve got an idea of how each of these common tow truck insurance coverages protects your business, you can get tow truck insurance quotes.

It’s a good idea to get multiple quotes for tow truck insurance because it gives you the opportunity to compare coverage options and pricing. You might not want to go with the first option you find because you could get better, more extensive coverage elsewhere. Besides, insurance companies are all different, so you may be able to find a lower price for comparable coverage if you do a little insurance shopping. It’s a good idea to give yourself options.

Fortunately, our team makes it pretty easy to get tow truck insurance quotes. If you fill out our quote form or call us, we’ll have a chat with you to find out what your insurance needs are and get the information we need to get your tow truck insurance quotes. (The agent assisting you will probably want to know about your tow trucks, how long you’ve been in business, what kind of towing you do, what your tow radius is, if you have any contracts, and so on.)

Then we can do your shopping for you. We’ll collect multiple quotes and report back to you so that you can decide which insurance solution is best for you. And of course, we’re happy to go over all of your options with you and answer any questions you might have. We’ll help you finalize your insurance coverage so you’re ready to hit the road with peace of mind.

We can help you save on your tow truck insurance.

Tow truck insurance made easy.

So, that’s the deal with getting tow truck insurance. All it takes is considering which coverages are right for you and some shopping around to get multiple quotes. Get started with your tow truck insurance quotes by filling out our online quote form or giving us a call today. One of our agents would be more than happy to help you through the insurance process.

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