Ideal accounts and appetite
- Established professional, for-hire tow companies that operate approved ancillary businesses (auto repair, body shop, salvage, storage, gas sales, etc.).
- Small and large fleets — single-truck operators up to multi-unit fleet accounts.
- Accounts with AAA contracts or police rotations will be considered when underwriting supports those exposures.
Not a fit:
- New ventures or operations without an established operating history.
Coverage highlights and program strengths
- Auto liability — up to $1,000,000
- General liability — up to $1,000,000
- Physical damage — up to $500,000
- On-hook / cargo — up to $500,000
- Garagekeepers — available on a legal liability or direct primary basis
- Excess limits available to enhance primary limits where needed
This program consolidates the primary towing exposures into a single package, simplifying placement and billing while addressing common gaps between auto liability, on-hook/cargo, physical damage and garagekeepers coverage.
Underwriting notes & minimum premium
Underwriting focuses on demonstrated operations, loss history, vehicle mix, and the scope of ancillary services. The program accepts both admitted and non-admitted placements to provide flexibility across jurisdictions. Minimum premium: Varies by state and coverages — consult underwriting for state-specific minimums and eligibility requirements.
Common factors underwriters review:
- Years in business and operating history (new ventures typically declined)
- Driver hiring, training and MVR controls
- Vehicle types (rotators, wreckers, flatbeds) and values
- Nature and limits of ancillary operations (repair, storage, salvage)
Territories and availability
The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placements may be admitted or non-admitted depending on state rules and carrier appetite.
Why place towing business with Amwins Underwriting / Trinity Underwriting Managers
- Niche underwriting expertise in towing operations and related garage exposures.
- Single-stop package options that combine auto liability, physical damage, on-hook/cargo and garagekeepers coverage.
- Flexibility to consider a wide range of fleet sizes and ancillary operations.
- Access to admitted and non-admitted capacity where appropriate.
Example scenarios that fit this program
- You have a 12-truck towing fleet that also operates a small repair shop and offers short-term vehicle storage — the program can bundle auto liability, on-hook/cargo and garagekeepers coverages with appropriate limits and excess capacity.
- An established single-operator wrecker under a police rotation wants combined physical damage and on-hook coverage with excess limits available — this program can be evaluated for admitted or non-admitted placement based on state availability and underwriting.