Roadside assistance business insurance coverages to consider

If you have a roadside assistance business, you might be wondering what kind of insurance coverages you need and how they’ll protect your business. There are a lot of risks out there that you face, and it’s important to make sure that your business is protected from financial loss. Not only will you be prepared for the future, but you’ll also be able to have peace of mind. We’re going to go over five insurance coverages that you might want to consider for your roadside assistance business.

5 insurance coverages for roadside assistance businesses to consider.

Auto liability insurance.

Bodily injury liability. Bodily injury liability insurance can cover the medical expenses, pain and suffering, and lost wages of the other driver and their passengers if you cause an accident while driving your tow truck or roadside assistance vehicle. It can help you out if the other driver chooses to sue you.

Property damage liability. Property damage liability can help cover the costs that you’re legally obligated to pay to the other driver if you damage their car in an accident (whether that’s repairing it or replacing it.) It can also help you cover the costs of repairing non-vehicle property that you damage with your truck.

Physical damage insurance.

Collision coverage. If you’re in an accident or otherwise collide with something, liability insurance won’t cover the repairs or replacement to your truck. Collision insurance, however, will – it can help you get your truck back on the road ASAP.

Comprehensive coverage. If your truck is damaged by something other than an accident, such as vandalism, theft, fire, or falling objects, again your liability insurance won’t cover the damage. Comprehensive coverage can help you cover the damages from these types of losses and get your roadside assistance vehicle back on the road.

We can help you save on your tow truck insurance.


If you tow vehicles, you could be liable if something happens to your client’s car while it’s attached to your truck – for example, if you’re in an accident and the client’s car is squished. On-hook coverage can help cover this type of claim. Chances are as a roadside assistance business you end up towing a fair amount of cars that have broken down on the side of the road, and this coverage can help protect you while you do.

Garage liability.

Garage liability can help you cover liability-related claims of bodily injury and property damage that arise from the day-to-day operations of your business and the services you provide. Though it’s called garage liability, it’s not necessarily just for businesses who have garages.

For example, let’s say that you get a call to change someone’s tire. You head on over and change the tire. The driver thanks you and goes on their merry way. But a few miles down the road, the tire pops off the car. The driver gets into an accident. Thankfully they’re okay. Garage liability can help you cover this sort of claim.

Garagekeepers insurance.

Garagekeepers insurance can help you out if you ever have care, custody, and control of customer vehicles – for example, if you ever have to store your clients’ vehicles on your premises. It can help cover losses like fire, theft, and vandalism. So, if something happens to your customer’s car while it’s in your care, garagekeepers can help you cover the loss.

So, let’s say that you have to tow a client’s car back to your premises to store it overnight. In the middle of the night, a thief sneaks onto your property and steals the car. Garagekeepers can help protect you financially. (And hopefully, explain the situation to the irate client.)

We can help you save on your tow truck insurance.

Of course, these might not be the only coverages you need for your business. But they are five coverages you can consider for your roadside assistance business. It’s important that you get the right insurance for your business so that you’re protected from the risks you face. There are a lot of risks you face when you’re out there on the road, but with the right coverages, you can have peace of mind. And that’ll help you put your attention back on helping people who are stuck or stranded on the side of the road.

If you want to get quotes for your roadside assistance business, we can help. Our agents can help you get multiple tow truck insurance quotes or commercial auto insurance quotes for your vehicle. Get started with your quotes by filling out our online form or giving us a call.


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