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Tow Truck Insurance

As a Tow Truck Owner/Operator it's important to make sure your business has the proper insurance coverage. We'll protect your business and everything in it for the lowest possible price.
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Designed Specifically for Towing Professionals

Commercial Tow Truck Insurance

A tow truck business is any business that earns income by towing or providing roadside repair to disabled vehicles, operating a repair facility or performing some repossession work. If there's a tow truck in your garage, you just may have a tow truck business. To protect your business investment, you will need the right tow truck insurance.
Examples of businesses that may need commercial tow truck insurance typically include:
  • Roadside service providers
  • Auto club contractors
  • Rotational towing
  • Auto body shops
  • Auto mechanical repair
  • Full service stations
  • Auto salvage and auction haulers

At mytowtruck.com, we think of tow trucks as the white knights of the road, rescuing stranded vehicles and their owners. With so much riding on your tow truck, towing insurance products and features designed specifically for your needs are vital.

Insurance For Tow Truck Companies ? Get The Info You Need Now

Below is information that addresses specific questions or issues you may have about insurance for your tow truck company:
  • Tow Truck Insurance Recommendations - Learn what you need to protect your tow truck business.
  • Superior Claims Service - Discover why superior claims service matters ? and find out what Progressive is doing to make claims better.
  • Frequently Asked Questions - Get fast answers to common tow truck insurance questions.
Towing Insurance: Tow Trucks Used For Repossession

MyTowTruck.com currently offers insurance for commercial tow truck businesses

Insurance For Tow Truck Companies

When you're towing a customer's vehicle, it's your responsibility to ensure that no harm comes to it. That's why having the right towing insurance is an especially important part of every towing business. And it's why my tow truck.com has special tow truck insurance products and features designed to meet your unique needs.

The list below outlines various towing insurance products and features that we recommend for your business. Click on the insurance coverages to learn more about who needs it, what it does and how it protects you.

What Towing Insurance Products Are Available?

MyTowTruck.com recommends the following towing insurance coverages to protect your business in most accident situations:

Liability insurance? This form of insurance for commercial tow trucks pays for damages that you cause to other people and their property.
  • Bodily Injury Liability Insurance
  • Property Damage Liability Coverage

Medical Payments Insurance? This type of commercial tow truck insurance pays medical bills for you and any passengers in your vehicle in case they are hurt in an accident or auto-related injury.

Physical Damage Coverage? Physical damage coverage pays for tow truck insurance repairs to your vehicle if it's ever damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch. Physical damage coverage can include:
  • Collision Insurance
  • Comprehensive Insurance
  • Fire and Theft with CAC Insurance

Uninsured Motorist Insurance? Pays for damages to you and your passengers caused by drivers who don't have insurance or don't have sufficient insurance. It also protects you in the event of a hit-and-run. Uninsured motorist insurance for commercial tow trucks can include:
  • Uninsured Motorist Insurance
  • Underinsured Motorist Insurance
  • Uninsured Motorist Property Damage Insurance (Where Available)

Insurance For Commercial Tow Trucks

These are coverages designed specifically for insurance for tow truck companies. They'll protect you when you're storing or towing a customer's vehicle.

Garage Keepers Legal Liability Coverage ? This insurance for commercial tow trucks provides protection for customer vehicles when they're parked at your shop, garage, etc.
On Hook Towing Insurance ? This towing insurance protects customer vehicles while you're towing them.

For more information about insurance for tow truck companies, or to get a towing insurance quote, contact MyTowTruck.com's highly trained insurance reps today ? 
Call toll free 1-800-747-5311

Frequently Asked Questions

Our customer service representatives answer thousands of questions each day. To save you the phone call, we've collected some of the most common questions and answered them for you below.

Don't see the answers you need? Call and speak directly to one of our knowledgeable customer service representatives at 1-800-747-5311.
  • Do I need commercial auto insurance?
  • What insurance coverages do I need for my business?
  • How do I save money on my insurance?
  • What do I need to get a quote?  

Do I need commercial auto insurance?

While the decision to purchase commercial auto insurance for some businesses is obvious, for others it's more complicated. For example, even though an Avon representative may use her car to deliver products once a week, a personal insurance policy would still fit her needs.

Our commercial auto vs. personal auto insurance comparison explains the difference between these two types of insurance. By understanding the restrictions for each and the protection they offer, you can choose the insurance that's right for you.

What insurance coverages do I need for my business?

Every business has different needs. With MyTowTruck.com's Commercial auto insurance, you can customize a policy just for you to ensure both you and your business are fully protected.

Our direct representatives are knowledgeable about what businesses like yours need. When you purchase a commercial auto insurance policy, we'll help you choose exactly the right coverage for your business so you never have to make those important decisions alone.

How do I save money on my insurance?

Most customers want to save money, especially because insurance is one of the biggest expenses for businesses. And driving those costs down can mean an instant impact on your bottom line.

At MyTowTruck.com, we understand you want to save money. That's why we offer a list of money-saving tips ? choices you can make to help lower your insurance premium. From things you can do today to planning for the future, learn how you can save money on your commercial auto insurance.

What do I need to get a quote?

Whether you plan to visit your local independent agent or call one of our direct representatives at 1-800-747-5311, a little preparation can save you a lot of time when you're ready to get a quote.

What Do I Need to Get a Quote?

Mytowtruck.com's commercial auto insurance quotes are tailored for individual businesses and their drivers and vehicles. To help us provide you with the most accurate business insurance quote, you should have some basic information on hand.

Information Needed for a Commercial Auto Quote

Have the following items in front of you when you call to get a commercial auto insurance quote for your business:

Your current insurance policy Declarations Page (Dec Page)

You can use your Dec Page ? the page that lists how much and what types of insurance coverage you have ? from whatever type of policy you have now, whether it's a commercial auto insurance policy or a personal auto policy.

We use your current Dec Page to get an idea of your insurance needs and to suggest what insurance options are best for you.

It doesn't matter if this is the first time you're purchasing commercial auto insurance. You can refer to your personal auto insurance policy as a starting point for your commercial auto insurance quote.

Providing your current Dec Page is also proof that you've maintained continuous insurance coverage, which could instantly save you up to 25 percent on your insurance premium.

Driver's license numbers and basic driving histories for all drivers

When you provide driver's license numbers for all drivers on your commercial auto insurance policy, we are able to review their driving records on file with your state's Department of Motor Vehicles and determine the risk factors.

We'll ask you whether the driver has a Commercial Driver's License (CDL) and how long he or she has had the license. In many cases we offer an Experienced Commercial Driver discount that could save you as much as 15 percent on your tow truck insurance.

We'll also want to know the date (month and year) of any accidents or traffic violations, such as speeding tickets, that the driver has encountered in the past three years.

VIN numbers, plus knowledge of each vehicle's features

A VIN number provides information about the type of vehicle you want to insure. If you have extra equipment or safety features installed on your vehicles, including side-impact air bags or anti-theft systems, you can save money on your insurance just for driving a safe vehicle.

What If I Don't Have All of the Requested Information?

The more you know about the vehicles and drivers you want to insure, the more accurate your commercial insurance quote will be.

If you don't plan to purchase your policy immediately, you can substitute the information below to receive a general estimate for commercial auto insurance.

Instead of a Dec Page for a commercial auto insurance policy, you can:
  • Use your personal auto insurance Dec Page instead. In some cases, we accept personal auto insurance as continuous insurance coverage for some commercial auto policies, which is the easiest way to save on your insurance.
  • Have Progressive call your current insurance provider to obtain your existing insurance coverage. Talking to your current company also qualifies as proof of continuous insurance coverage, which will save you a lot of money.
  • Get a quote without a Dec Page. If you currently don't have any type of personal or commercial auto insurance, it's OK. Progressive can still give you an accurate commercial auto insurance quote. We'll simply walk you through your options to decide what's best for your company's needs.

Instead of driver's license numbers for all drivers, you can:

Give us a quick history of any accidents or traffic violations, including speeding tickets, for each driver.

Tell us what you do know about driving histories, even if it's not very much. During your business insurance quote, we also can assume each driver has no accidents or violations and give you a commercial insurance quote based on a clean driving history.  Unfortunately, if drivers do have any accidents or violations, the quoted price may be subject to change once we review actual driving histories.

Instead of a VIN number, you can:

Simply provide us with information about your vehicles including the make, model and year.

Contact MyTowTruck.com  today for your free, no-obligation commercial auto insurance quote!  1-800-747-5311

Tow Truck Insurance

Do You own a towing business? Are you having trouble finding tow truck insurance?
MyTowTruck.com can help. We specialize in providing tow truck insurance for:
  • Auto
  • Property
  • General Liability
  • Market Rates
  • Discounted Rates

In addition to tow truck insurance, we offer general liability, on hook, garage keepers legal and property coverage. We are the specialists in Tow Truck Insurance. Fast and Easy Tow Truck Insurance Quotes.

We will help you to select the appropriate coverages for your business, maximize your protection and minimize your payments. Insurance provided by a variety of carriers....most of whom are name brands you recognize ! Companies like Progressive, Nationwide, Travelers, Hartford and many others.

Contact us today for a same day quote!

CONTACT Tow Truck Insurance Resource Center
Phone: (925) 365-3200
Fax: (925) 226-1422
E-mail: info@mytowtruck.com

One on One Service 
Great Coverage; Great Prices 
Tow Truck Insurance ( and the Tow Truck Insurance Quotes you may need)

Garage & Auto
General Liability..................................... $1M and up
Auto.................................................. $1M
Garage Keepers Legal - ............................... $500,000 or more
Uninsured/Underinsured Motorist.................................... State law or more
PIP/No Fault................................................................ State law or more
Phy Damage - ............................................. ACV
Medical Pay................................................................. $5,000
Fire Legal Liability......................................................... $100,000
Dealers Physical Damage..............................................
(Used Cars - Optional) $100,000
On Hook - $1,000 Ded................................................... $250,000 or more

Property
Building/Contents.................................... Repl. Cost
Tools & Employee Tools................................................ Inc.
Business Int/Extra Expense........................................... Per Limit
Tools & Radios Off Premises.......................................... Per Limit
Special Form................................................................ Inc.
Deductible.................................................................... $500 or more

CONTACT MyTowTruck.com
Phone: (925) 365-3200
Fax: (925) 226-1422
E-mail: info@mytowtruck.com

​Tow Truck Insurance Coverage Descriptions

​BUSINESS AUTO - The business auto insurance coverage is designed to protect your towing business in the event of an accident, theft, injury, and/or other damages involving your vehicles and your employees while driving insured towing company vehicles.

GARAGE KEEPERS COVERAGE - This towing insurance form provides the towing business legal liability insurance protection for damages to your towing customer’s vehicles while in your care, custody and control for service, repair, or storage.

BUSINESS LIABILITY - This towing insurance form provides coverage in the event of a Commercial General Liability loss that causes injury or property damage. It insures your tow truck business against liabilities that arise from the daily operations of your business.

ON HOOK/CARGO - This towing insurance form covers the insured as legal liability on all lawful goods and articles accepted by the named insured, while in due course of transit or in the process of recovery by a scheduled vehicle. Coverage for loading and unloading is also provided.

Contact us today for a same day quote!
If you're tired of dealing with folks who don't understand the tow truck insurance business and don't know the difference between a J-Hook and a Snatch Block, call the people who do know and can help. Call us today !

PROFESSIONAL TOWING INSURANCE SPECIALISTS For Tow Truck Insurance
For almost 20 years my Tow Truck Insurance has provided specialty towing insurance via a superior team of licensed professionals whose job it is to meet the towing and recovery insurance needs of Tow Truck business, their owners and operators.

“A” RATED CARRIERS
Two Truck Insurance Towing Insurance uses only A Rated or better towing Insurance companies for the Towing businesses they insure. Therefore, you the towing and recovery business owner can rest easy knowing that your business is protected by a multi-million dollar insurance company who will be there “no questions asked” at the time of a loss!

BUSINESS AUTO
The business auto insurance coverage is designed to protect your towing business in the event of an accident, theft, injury, and/or other damages involving your vehicles and your employees while driving insured towing company vehicles.

GARAGE KEEPERS COVERAGE
This towing insurance form provides the towing business legal liability insurance protection for damages to your towing customer’s vehicles while in your care, custody and control for service, repair, or storage.

BUSINESS LIABILITY
This towing insurance form provides coverage in the event of a Commercial General Liability loss that causes injury or property damage. It insures your tow truck business against liabilities that arise from the daily operations of your business.

ON HOOK/CARGO
This towing insurance form covers the insured as legal liability on all lawful goods and articles accepted by the named insured, while in due course of transit or in the process of recovery by a scheduled vehicle. Coverage for loading and unloading is also provided.

*The information above in no way changes, alters, or replaces any conditions or terms of any policy should such policy be issued. This is just a sampling of some of the coverage that Rogers Insurance provides to their Tow Truck businesses.

Finding the right tow truck insurance for your business can be time consuming. We have the ability to shop multiple tow truck insurance carriers, eliminating the hassle of dealing with multiple brokers and agents
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On-Hook Towing Insurance
On-Hook Towing insurance will pay to repair or replace a vehicle you don't own if it is damaged by a collision, fire, theft, explosion or vandalism while you are towing or hauling.
In Texas and Virginia, On-Hook Towing insurance is called Garage Keeper's Legal Liability insurance. In these two states only, what is actually Garagekeepers Legal Liability insurance is called Storage Location insurance.

​Who Needs On-Hook Towing Insurance?

Businesses that offer towing services need On-Hook Towing insurance to protect them while they're hauling vehicles owned by a customer or someone else.

Limits, Deductibles and Other Details

With On-Hook Towing insurance, you must select both a limit and a deductible. The limit is the maximum total amount paid per occurrence for damage done to all vehicles.

The deductible is the amount you will pay out of pocket per occurrence for repairs or replacement of the damaged vehicle before your insurance pays.

On-Hook Towing Insurance Example

A customer's car won't start, so she calls you to pick it up. You're towing it to your shop for repairs and stop to refuel your tow truck.

When leaving the gas station, you take a turn too sharply and accidentally scrape the car you are towing against a low hanging tree branch and rip off the mirror and put a large scratch into the passenger side door.

The $15,000 On-Hook Towing limit with a $500 deductible you selected covers replacing the mirror and repairing damage to the passenger door. You would pay $500 toward the repairs, and your On-Hook Towing insurance would pay the rest.

Exceptions and Restrictions

You must purchase Liability insurance to be eligible for On-Hook Towing insurance.
If one towing vehicle has On-Hook Towing insurance, all towing vehicles insured on the same policy must have On-Hook Towing insurance with the same limits.

On-Hook Towing insurance is only available for the following business types:
  • Towing or service station services
  • Trucking for hire, when hauling vehicles not owned by the insured

On-Hook Towing insurance is only available for towing certain vehicle types. It is not available for:
  • Towing your car behind your mobile home
  • Transporting your own vehicles or vehicles owned by your business
  • Towing antique cars, race cars or boats for personal use
 
1-800-747-5311​
117 Town And Country Dr
Suite B
Danville, CA 94526​
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MyTowTruck.com
117 Town And Country Dr
Suite B
Danville, CA 94526
1-800-747-5311
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Arkansas: 100116064 | Arizona: 856688 | CA: 0C94234 | Colorado: 279339 | Connecticut: 2450317 | Florida: L054138 | Illinois: 100345551 | North Carolina: 1000109230 | New Jersey: 1123706 | New Mexico: 100012913 | Nevada: 19300 | New York ( doing business as Royal Colonial Insurance) : BR1036521 | Ohio: 41343 | Oregon: 100171064 | Pennsylvania: 601070 | South Carolina: 180702 | Texas: 1616350 | Washington: 846460 | Wisconsin: 2660029 | West Virginia: 100177705
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