Workers’ Compensation Insurance for Towing Operations
Keating offers a focused Workers’ Compensation Insurance program built for the unique exposures of the towing industry. Whether your client operates 24-hour towing, provides AAA roadside assistance, or responds to police and emergency calls, this program is designed to protect employees, cover medical costs and lost wages, and help ensure compliance with state workers’ comp requirements.
This market is intended for agents and brokers who need a reliable admitted solution for towing businesses with active field operations. Our program supports accounts with high roadside and recovery exposures while excluding repossession work.
Ideal Accounts and Appetite
We target well-run towing businesses with active operations in states where Keating is licensed. Good fits include:
- 24/7 roadside assistance providers
- Contracted AAA towing and roadside contractors
- Towing firms that serve police departments or municipal contracts
- Emergency towing and vehicle recovery services (non-repossession)
Accounts involving repossession or recovery related to loan defaults are outside the program’s appetite and will not be accepted.
Coverage Highlights and Advantages
- Workers’ compensation coverage tailored to towing-related exposures
- Underwriting that understands roadside, recovery and emergency risks
- Access to several carrier markets to help secure competitive terms
- Responsive underwriting and fast, clear communication for efficient placement
The program is backed by Keating’s carrier relationships, enabling customized solutions that reflect your client’s operations and claims history.
Underwriting Notes and Minimum Premiums
The program’s underwriting focuses on operational controls, safety programs, equipment lists, payroll breakdowns, and prior claims. Keating requires standard documentation to produce accurate quotes quickly.
The minimum premium for this program starts at $5,000. You can submit monoline workers’ compensation or package policies depending on the client’s structure; discuss submission format with the underwriting team for best results.
Territories and Availability
Keating’s Towing Workers’ Compensation program is available on an admitted basis in the following states:
- Arizona (AZ)
- Connecticut (CT)
- Georgia (GA)
- Illinois (IL)
- Indiana (IN)
- Kansas (KS)
- Missouri (MO)
- North Carolina (NC)
- Nebraska (NE)
- Nevada (NV)
- Pennsylvania (PA)
- Tennessee (TN)
- Virginia (VA)
Why Work With Keating?
Keating is a carrier with niche commercial lines expertise and a dedicated focus on hard-to-place risks. This towing workers’ compensation program gives you an admitted market that understands roadside exposures and can structure coverage around operational realities. Underwriters work with agents to evaluate safety programs and loss history to deliver tailored pricing and terms.
Example scenarios where this program fits:
- You have a client that provides 24/7 AAA contract towing with multiple drivers and on-scene recovery exposure — Keating can consider the account with a focus on safety controls and payroll classification.
- You represent a municipal-contracted wrecker service that responds to emergency calls and needs admitted workers’ comp coverage across several nearby states where Keating is licensed.
Learn more about Keating or contact our team for program details and submissions.
Frequently Asked Questions
What types of accounts are a good fit for this towing workers’ compensation program?
Ideal accounts include 24/7 towing services, AAA contractors, and emergency response towing companies. The program does not accept repossession work.
Is the program available on an admitted basis?
Yes. The program is offered on an admitted basis in all listed states.
What is the minimum premium for this program?
The minimum premium starts at $5,000, depending on the account’s size and risk profile.
Which states is this program available in?
This program is currently available in AZ, CT, GA, IL, IN, KS, MO, NC, NE, NV, PA, TN, and VA.
Does the program accept towing companies that perform repossession work?
No. The program excludes accounts involved in repossession or recovery due to loan defaults.
Need help placing an account? Connect with a market specialist.