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Tow Truck & Wrecker Insurance

Insurance for tow trucks, wreckers, and recovery vehicles handling roadside assistance, repossession, and heavy recovery.

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What It Covers

  • On-hook / garage keepers coverage for vehicles in your care
  • Liability coverage for towing operations
  • Physical damage for your tow truck and wrecker equipment
  • Garage liability for your storage lot
  • Errors and omissions for damage during towing
  • Workers compensation for tow operators

Who Needs This Coverage

Towing companies, roadside assistance providers, repossession services, and heavy-duty recovery operations. Tow truck operators are responsible for vehicles in their care, custody, and control, which creates unique insurance needs beyond standard trucking.

Avg Fleet Size

1-15 trucks

Common Cargo

Disabled vehicles, accident recovery, repossessions

Typical Coverage Package

  • Primary Liability ($1M)
  • On-Hook / Cargo Coverage
  • Garagekeepers Legal Liability
  • Physical Damage (Comprehensive + Collision)
  • General Liability
  • Workers Compensation

Frequently Asked Questions

Tow truck insurance typically costs $6,000-$18,000 per year per truck. Light-duty flatbed tow trucks are on the lower end, while heavy-duty wreckers and rotators cost more due to higher equipment value and risk. Factors include your fleet size, services offered (roadside vs. recovery vs. repo), and claims history.
On-hook coverage protects vehicles you are towing from damage while being transported. It is the tow truck equivalent of cargo insurance and is essential for every towing operation. Limits typically range from $50,000 to $250,000 per occurrence.
If you store vehicles at your lot after towing, yes. Garagekeepers covers damage to customers' vehicles while in your care at your storage facility from fire, theft, vandalism, and weather. Most towing companies need $100,000-$500,000 in garagekeepers coverage depending on lot capacity.
Light-duty flatbeds, wheel-lift trucks, heavy-duty wreckers, and rotators each have different risk profiles and insurance needs. Heavy-duty recovery operations require higher liability limits and specialized equipment coverage. We match your coverage to your specific tow truck types and services.
Repo work often requires specific endorsements due to the higher risk of property damage and confrontation. We find carriers that write repo-specific coverage with appropriate limits. Expect to pay 20-40% more for a policy that includes repossession operations.
Yes. Tow trucks are commercial vehicles and require commercial auto insurance. Personal auto policies will not cover towing operations. You also need on-hook coverage, which is specific to towing and not available on standard commercial auto policies.
Motor clubs like AAA, Agero, and NSD require specific minimum coverages including $1M liability, $100K+ on-hook, garagekeepers, and garage liability. They also require you as additional insured on the policy. We structure policies to meet motor club requirements.
NM

Reviewed by

Nazar Mamaev

President, Full Coverage LLC

TRIP, CDS, TRS Certified  ·  Licensed in 47 States

Nazar Mamaev is a certified trucking insurance broker who has helped thousands of motor carriers find the right coverage at competitive rates.

Indianapolis, IN·317-427-5599·Get a Quote

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