Colonial General Insurance Agency, Inc. offers a specialized Towing Services Insurance program to help appointed agents place coverage for clients that operate tow trucks and related services. With deep expertise in garage and towing risks, Colonial General partners with agents to tailor commercial garage solutions that address exposures on the road and on the premises.
Ideal Accounts and Appetite
This program is designed for tow truck operators who tow for hire and for garage operations that need commercial garage coverage. Colonial General prefers accounts that meet the following basic criteria:
- Operators with a minimum of 2 years of driving experience
- Businesses engaged in towing for hire (not repossession work)
- Garage-related operations seeking comprehensive commercial garage policies
- Accounts with clean or otherwise manageable loss histories
Note: Repossession businesses and operators engaged in repossession activities are not eligible for this program.
Coverage Highlights and Advantages
Colonial General’s Towing Services Insurance program provides a range of commercial garage coverages to address common and complex towing exposures:
- Garage Liability: Limits up to $1,000,000 per accident
- Liability Aggregate: Up to $3,000,000
- Garage Keepers: Provided on a primary basis with specified causes of loss
- In-Transit Coverage: Available on a legal liability basis
- Dealers Physical Damage and Broadened Coverages
- False Pretense and Fire Legal Liability
- Medical Payments: $5,000
- Property Coverage: Available for garage premises and business property
All in-transit limits per vehicle must be equal to or lower than the garage keepers limit, per underwriting rules.
Underwriting Notes and Minimum Premiums
Colonial General leverages admitted and non-admitted markets to give agents flexibility when placing towing risks. Underwriting focuses on driver experience, the insured’s operational history, vehicle schedules, and loss activity. While minimum premium levels are not published, policies must meet the program’s underwriting criteria to bind coverage.
Territories and Availability
This towing insurance program is available in the Western U.S. states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional focus helps address state-specific exposures and costs common to towing operations in these states.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche underwriting expertise with access to multiple markets. Agents benefit from a responsive underwriting team able to place standard and non-standard garage and towing risks, including accounts with complex exposures that require tailored wording or non-admitted capacity. Their Western regional focus and experience with commercial garage classes make them a practical partner for agents placing tow-for-hire accounts.
Frequently Asked Questions
What types of accounts are a good fit for this towing insurance program?
Tow truck operators who tow for hire, have at least two years of driving experience, and operate standalone towing businesses or garage shops are the best fit. Repossession businesses are excluded.
Is Garage Keepers coverage provided on a primary or excess basis?
Garage Keepers coverage is offered on a primary basis with specified causes of loss to protect customer vehicles while in the insured’s care.
What states is this program available in?
The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Can I get coverage for in-transit towing exposures?
Yes. In-transit coverage is available on a legal liability basis, subject to underwriting and alignment with the garage keepers limit.
What makes Colonial General a strong partner for towing risks?
Colonial General offers specialized garage underwriting, access to admitted and surplus markets, and hands-on support for agents placing towing and commercial garage accounts in the Western U.S.
Need help placing an account? Connect with a market specialist.