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Reliable Tow Truck Insurance coverage with quick and easy service from SIU!
Southern Insurance Underwriters, Inc. (SIU) offers a competitive Tow Truck Insurance program designed to meet the unique needs of commercial towing operations across Georgia, Alabama, Florida, and South Carolina. Whether your insured operates a single tow truck or manages a larger fleet, SIU provides flexible coverage options through multiple A-rated carriers. With a focus on responsive service and localized underwriting expertise, SIU makes it easy for agents and brokers to quote and bind policies quickly—online or over the phone.
Ideal Accounts and Appetite
SIU’s Tow Truck Insurance program is ideal for independent towing operators and small to mid-sized towing fleets. The program accommodates accounts with 1 to 150 units and covers both local and intermediate radius operations. Whether your client tows for roadside assistance, repossession, or vehicle recovery, this program is structured to provide the right protection.
You might have a client who owns a 3-truck towing operation in Atlanta handling local roadside assistance, or a mid-size business in Jacksonville with 15 trucks providing regional transport and recovery services. SIU is equipped to handle both scenarios efficiently.
Coverage Highlights and Advantages
Tow Truck Insurance Highlights:
States Available:
Georgia
South Carolina
Alabama
Florida (ask about availability in other states)
Number of Units: 1–150
Operational Radius: Local and Intermediate
Available Coverages:
Liability limits up to $1,000,000 CSL
Physical Damage coverage for units valued up to $150,000
In-Tow coverage with limits up to $100,000
Garage Liability coverage available
Comprehensive package policies can be written
Special Features:
1–5 units eligible for fast phone quotes
All carriers are A-rated
Localized underwriting knowledge
Underwriting Notes and Minimum Premiums
SIU evaluates each risk individually and works with multiple markets to find the best fit. Minimum premiums vary based on risk characteristics, number of units, and selected coverages. Their experienced underwriting team helps ensure accurate and timely quotes for even the most complex risks.
Territories and Availability
This program is currently available in Georgia, Alabama, Florida, and South Carolina. For potential access in additional states, please contact SIU directly to discuss availability.
Why Work With Southern Insurance Underwriters, Inc.?
As a trusted Managing General Agency (MGA) with deep experience in commercial transportation insurance, SIU brings value to agents through market access, knowledgeable underwriting, and streamlined quoting processes. Their tow truck program stands out for its flexibility, breadth of coverage, and service-oriented approach. Whether you’re placing a new account or remarketing an existing one, SIU is ready to help you secure quality coverage for your clients.
Frequently Asked Questions
What types of accounts are a good fit for SIU’s Tow Truck Insurance program?This program is ideal for commercial towing operators with 1–150 units operating within a local or intermediate radius in Georgia, Alabama, Florida, or South Carolina.
Can I get a quote over the phone?Yes, SIU provides fast phone quotes for accounts with 1–5 units. Larger fleets can also be quoted efficiently online or with underwriting assistance.
What coverages are available under this program?Available coverages include Auto Liability up to $1,000,000 CSL, Physical Damage up to $150,000 per unit, In-Tow coverage up to $100,000, and optional Garage Liability.
Are all carriers used by SIU A-rated?Yes, all participating carriers in this program are A-rated, ensuring financial strength and reliability.
Is this program admitted or non-admitted?Most available markets for this program are non-admitted, offering greater flexibility in underwriting and pricing.
Need help placing an account? Connect with a market specialist.
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