https://completemarkets.com/company/Amwinsunderwriting/Towing-Insurance-Program/
A package insurance solution for tow-truck operators
Available on an admitted & non-admitted basis
Trinity Underwriting Managers — part of the Amwins Underwriting division — offers a focused, one-stop Towing Insurance Program for professional, for-hire tow companies. This program is designed for tow operators that also perform approved ancillary operations such as auto repair, body work, salvage, storage, and fuel sales. Distribution is handled through a select group of retail brokers; use this market when your clients need a tailored towing package rather than a general commercial auto placement.
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.
Interested in learning more? Please visit our website.
Frequently Asked Questions
What types of towing accounts are a good fit for this program?Established, for-hire tow companies that operate approved ancillary businesses (repair, body shop, salvage, storage, fuel sales) and fleets of varying sizes. Accounts with proven operations and acceptable loss history are preferred; new ventures are typically not eligible.
Are admitted policies available?Yes. The program offers admitted and non-admitted placements depending on the state and underwriting assessment. Availability by state should be confirmed with underwriting.
What coverages and limits can I request?The program can include auto liability and general liability (up to $1M), physical damage and on-hook/cargo (up to $500K), garagekeepers (legal liability or direct primary), and excess limits where needed. Exact limits depend on underwriting and carrier availability.
How do I submit an account for consideration?Submit full loss runs, vehicle schedules, details of ancillary operations, driver hiring and safety programs, and any contract exposures (AAA, police rotation). Underwriting will evaluate operations, vehicle mix and loss history to determine eligibility and pricing.
Need help placing an account? Connect with a market specialist.