Tow Truck & Wrecker Insurance
Insurance for tow trucks, wreckers, and recovery vehicles handling roadside assistance, repossession, and heavy recovery.
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
What is on-hook coverage?
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.
Do I need garagekeepers insurance?
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.
Is repossession towing covered under standard policies?
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.
Get a Quote for Your Tow Truck & Wrecker
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