Tow Truck Insurance. For Less.

 

"They’re always going above and beyond."


Jeff| Baltimore, MD

We Make Tow Truck Insurance Easier

As the owner of a tow truck service, you love what you do. From popping that elusive Porsche to enforcing No Parking rules, your drivers hustle like no other company could. But, a tow truck business is not without its risks. Tow truck insurance that includes several different coverage options. With these options, you can build a policy that will adequately meet your distinctive needs.

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What You Need to Know about Tow Truck Insurance

Commercial tow truck owners and operators are responsible for the well-being of drivers, customers, and the vehicles that are being towed, and need specialized types of coverage on board to keep the business safe.

Not to mention the legal requirement to carry general liability insurance. East Insurance Group specializes in tow truck insurance and can customize a policy to your needs. Your policy may include some or all of the following:

How much does tow truck insurance Cost

Every business is different and every business requires different coverage to protect them from risks. Just like your tow truck business is different from the one down the block. The cost of the tow truck insurance largely depends on the factors including:

  • The number of trucks you need to insure
  • Your trucks size, age, model and condition
  • The experience and driving-record of anyone who will be operating the vehicle
  • Your annual coverage and routes you will cover
  • The types of loads you will haul

Tow Truck Coverages

PHYSICAL DAMAGE – Get your tow truck covered in cases of physical damage. Tow truck insurance will help you repair your tow truck. This protects your vehicle from damage from fire, theft, natural disasters, and vandalism.

UNINSURED OR UNDER-INSURED MOTORIST – If your tow truck gets into a hit and run or a driver who doesn’t have enough coverage to cover the vehicle and medical expenses and is at fault, tow truck insurance will cover the extra costs.

GARAGE KEEPERS GENERAL LIABILITY – If a clients vehicle is parked or stored in your garage or service station and gets damaged general liability will protect you in cases of fire, theft, vandalism, and collisions.

ON-HOOK TOWING 

This coverage protects your business if a vehicle gets damaged while you’re towing it. It will pay for repair or replacement costs and includes damages from the collision, fire, theft, or vandalism.

MEDICAL PAYMENTS – Tow truck drivers often provide rides for the owners of the vehicles they’re towing. If there is an accident and you, your driver or the passenger get injured while in your tow truck, tow truck insurance will provide coverage for medical payments incurred.

HIRED AUTO GENERAL LIABILITY COVERAGE

This coverage will protect the vehicles you lease, hire, rent, or borrow to use in connection with your business. This includes vehicles used for business purposes that are not listed on your policy that are driven by you or your employees.

HIRED AUTO PHYSICAL DAMAGE – This tow truck insurance provides physical damage protection on non-owned vehicles such as rentals or leases that. Should you or your employee gets into an accident and damage the vehicle while using it for business purposes, this policy will cover the damages.

EMPLOYER’S NON-OWNERSHIP GENERAL LIABILITY 

This will protect you if a private vehicle is used in your business for business purposes and gets damaged in an accident.

HIRED AUTO PHYSICAL DAMAGE – This coverage provides physical damage protection on non-owned vehicles such as rentals or leases that. Should you or your employee gets into an accident and damage the vehicle while using it for business purposes, this policy will cover the damages.

EMPLOYER’S NON-OWNERSHIP GENERAL LIABILITY

This will protect you if a private vehicle is used in your business for business purposes and gets damaged in an accident.

Your tow truck business is a business which earns income by towing or providing roadside assistance and repair to disabled vehicles, performs repossession work, or operates a repair facility. Tow trucks are the unsung white knights of the road; rescuing stranded vehicles and their owners. There is a lot riding on your tow truck and this added pressure is the reason each one of your tow trucks need tow truck insurance.

Get your business better coverage & rates. 

Talk to an experienced insurance agent today.
 

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Aeron Alberti

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