What is Tow Trucks - Full Package?
The Tow Trucks - Full Package is a comprehensive insurance solution designed specifically for tow truck operators, towing companies, and auto recovery businesses. This type of coverage bundles several essential insurance protections into one policy, helping manage the wide range of risks encountered in daily operations—from transporting disabled vehicles to storing customer property.
Who needs it
This coverage is ideal for businesses involved in roadside assistance, towing services, auto body shops with towing operations, and vehicle repossession. Whether you're an independent operator or run a fleet, having the right protection is crucial. Many auto body shops with tow truck programs seek full-package coverage to stay compliant and protected against liability exposures.
What it typically covers
The Tow Trucks - Full Package usually includes a mix of the following coverages:
- Commercial Auto Liability – Covers third-party injuries and property damage caused during towing operations.
- Auto Physical Damage – Protects against damage to your own tow trucks due to collisions, weather, or theft.
- On-Hook Coverage – Covers customer vehicles while they are being towed.
- Garagekeepers Liability – Covers damage to vehicles stored on your premises, such as after-hours drop-offs.
- General Liability – Protects against claims of bodily injury or property damage occurring on your business premises.
For example, if a towed vehicle is accidentally damaged while being stored, garagekeepers liability can help cover the repair costs.
Common exclusions or limitations
While this package provides broad protection, some exclusions may apply. Common exclusions include:
- Intentional damage or illegal activities
- Wear and tear or mechanical breakdowns
- Unlisted drivers or unauthorized vehicle use
It's important to review your policy details to understand what is and isn’t included.
Factors that influence cost
Several underwriting factors affect the cost of your tow truck insurance package, including:
- Number and type of tow trucks in your fleet
- Driver history and experience
- Service radius and operational hazards
- Claims history and loss control measures
Businesses with a strong risk management plan and clean safety record may benefit from more favorable premiums.
Proof of insurance & compliance
Most states require tow truck operators to carry minimum levels of commercial auto and liability coverage. Proof of insurance is often needed to obtain or renew operating permits. Fleet operators may also need to provide certificates of insurance when contracting with municipalities or roadside programs. Our tow truck commercial property insurance options can also support businesses that store vehicles or operate from fixed locations.
How to get a quote
Getting a quote is simple. Just provide basic information about your business, vehicles, and services, and we’ll match you with the right coverage. Protect your operation today—request a personalized quote.
Frequently Asked Questions
What is on-hook coverage?
On-hook coverage protects customer vehicles while they are being towed by your truck. It helps pay for damages if the vehicle is harmed during transport.
Do I need garagekeepers liability if I don’t store vehicles?
If you don’t keep customer vehicles on your property, you may not need garagekeepers coverage. However, it’s important to assess your risk exposure with an agent.
Are drivers with past accidents still eligible?
Drivers with past incidents may still be eligible, but their history can affect your premium or require higher deductibles.
Can I get coverage for multiple trucks under one policy?
Yes, fleet policies can bundle coverage for multiple tow trucks under a single package, simplifying management and billing.
What if I also do roadside assistance?
Many tow truck policies can be customized to include roadside services like jump-starts, tire changes, and lockouts. Be sure to disclose all operations when getting a quote.
Still have questions? Talk to a local insurance expert.