Tow truck insurance for every call, from hook-up to drop-off
From the moment you hook a customer's vehicle until it's set down safely, you're responsible for property worth tens of thousands of dollars. We build towing programs for single flatbeds and multi-location wrecker fleets across Washington and Oregon.
Same-day certificates for motor-club contracts · Monthly payment plans
How a single tow becomes a claim
Three illustrative examples of everyday towing exposures — and the coverage that responds to each.
A customer's car slips off the flatbed
While unloading a customer's BMW M5, the car slides off the bed and the frame is damaged. The owner pursues the loss in value, a rental and loss of use.
- Vehicle repair and value loss$85,000
- Rental car (8 weeks)$12,000
- Legal defense$22,000
- Loss-of-use claim$8,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Build the right program for your operation
Tell us how you operate and we'll show the coverages that typically apply. No contact details needed.
Your operation
Select everything that applies.
Coverage that typically applies
8 coverages — a starting point for a conversation, not a quote.
- Commercial Auto LiabilityBodily injury and property damage you cause on the road.
- Physical DamageYour trucks, wreckers and flatbeds.
- On-Hook / CargoCustomer vehicles while being towed.
- Medical PaymentsMedical bills for people in or hit by your truck.
- Garage Keepers LiabilityCustomer vehicles stored at your lot.
- Garage LiabilityPremises liability for your shop, lot and office.
- Workers' CompensationOn-the-job injuries to your drivers.
- Uninsured / Underinsured MotoristRoadside hits by drivers without enough insurance.
Every protection from hook-up to drop-off
Filter by type or search for a specific coverage.
On-Hook / Cargo
Customer vehicles while being towed, loaded or unloaded — collision, theft, fire and other perils.
Commercial Auto Liability
Bodily injury and property damage, with limits from $500,000 to $2 million and above.
Physical Damage
Your tow trucks, wreckers and flatbeds, on an agreed-value or actual-cash-value basis.
Hired & Non-Owned Auto
Liability when employees use personal or rented vehicles for business.
Garage Keepers Liability
Customer vehicles stored at your lot or shop — theft, vandalism, fire and weather.
Garage Liability
Premises liability for your shop, lot and office.
General Liability
Advertising injury, personal injury and products claims beyond your vehicles.
Workers' Compensation
Required coverage for employee injuries on the job — towing is physical, high-exposure work.
Uninsured / Underinsured Motorist
Protects your driver when the at-fault motorist doesn't carry enough insurance.
Medical Payments
Medical bills for anyone injured in or by your tow truck, regardless of fault.
Equipment & Tools
Chains, straps, dollies and go-jacks against theft and damage on the job.
Business Interruption
Replaces lost income when a covered loss takes trucks out of service.
From first call to certificate
Understand your operation
Light- or heavy-duty, roadside, recovery or impound, your lot and your loss history — so the program fits how you actually work.
Go to towing markets
We approach carriers that specialize in towing, such as Progressive Commercial, National Indemnity and Lancer, including options for tougher histories.
Build the program
Auto, physical damage, on-hook and medical payments at the core, with garage, workers' comp, equipment and income added as needed.
Certificates and claims
Same-day certificates for motor-club and municipal contracts, and support from first notice of a claim to close.
Coverage for every kind of towing and recovery
Light-duty towing
Flatbeds, wheel-lifts and dollies for cars and light trucks.
Medium & heavy-duty
Wreckers and rotators for trucks, buses and RVs.
Roadside assistance
Jump starts, tire changes, lockouts and fuel delivery.
Police rotation
Law-enforcement contract towing and impound services.
Accident recovery
Crash-scene cleanup, vehicle recovery and debris removal.
Private-property impound
Apartments, shopping centers and parking enforcement.
Specialty transport
Exotic cars, motorcycles and high-value vehicle moves.
Repair & storage
Impound lots with auto-repair services.
Motor-club contracts
AAA, Agero and roadside-network contract towing.
Brokers who know a wheel-lift from a flatbed
Towing experience
We've insured tow operators across Washington and Oregon for years and place coverage with specialty towing markets.
Same-day certificates
Proof of coverage for motor-club contracts the day you need it, and help meeting AAA and Agero requirements.
New operators and fleets
Carriers that write new ventures, monthly payment plans and low down payments that fit towing cash flow.
Get your tow truck insurance quote
A short application covers your trucks, drivers and services. Most towing quotes come back within one to two business days.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Scenarios and dollar figures are illustrative examples, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.