Tow-Truck Insurance

Tow Truck Equipment & Vehicle Types

Flatbed Tow Truck
A flatbed tow truck uses a hydraulic bed to safely load and transport vehicles completely off the ground. This is the safest option for luxury, damaged, or all-wheel-drive vehicles.

Wheel-Lift Tow Truck
A wheel-lift tow truck raises the front or rear wheels of a vehicle for towing. It is commonly used for quick roadside assistance and short-distance tows.

Hook & Chain Tow Truck
This tow truck uses chains to pull vehicles by the axle or frame. It is typically used only for junk or severely damaged vehicles due to the risk of damage.

Light-Duty Tow Truck
Designed for passenger cars and small SUVs. These are the most common tow trucks used for everyday towing services.

Medium-Duty Tow Truck
Used to tow larger vehicles such as box trucks, RVs, and delivery vehicles. Offers more power and capacity than light-duty tow trucks.

Heavy-Duty Tow Truck
Built to recover and tow large commercial vehicles including buses and semi-trucks. These trucks are used for major roadside recoveries.

Boom Tow Truck
Equipped with a hydraulic boom to lift vehicles from ditches or difficult locations. Primarily used for recovery rather than standard towing.

Protect Your Future Today

Auto Liability

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Auto liability insurance covers bodily injury and property damage caused to others while operating a tow truck. It is required by law and does not cover damage to your own vehicle.

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Motor truck cargo, often called on-hook coverage for tow trucks, protects vehicles you are towing if they are damaged while in your care. This coverage is critical for protecting customer vehicles during transport.

Physical Damage (Collision & Comprehensive)

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Physical Damage (Collision & Comprehensive)

Physical damage insurance covers repair or replacement of your tow truck if it is damaged in an accident, fire, theft, vandalism, or weather-related event. This protects your truck itself.

Garage Keepers Legal Liability

Physical Damage (Collision & Comprehensive)

Garage keepers insurance covers damage to customer vehicles while they are parked, stored, or waiting at your lot. This applies to losses such as fire, theft, vandalism, or collision.

General Liability

Garage Keepers Legal Liability

Workers’ Compensation

General liability insurance covers bodily injury and property damage that occur off the road. This includes incidents at your office, lot, or job site that are not related to driving.

Workers’ Compensation

Garage Keepers Legal Liability

Workers’ Compensation

Workers’ compensation covers medical expenses and lost wages for employees injured on the job. It is required in most states if you have employees.

Tow-Truck Insurance

Tow Truck Equipment & Vehicle Types

Protect Your Future Today

Auto Liability

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Physical Damage (Collision & Comprehensive)

Motor Truck Cargo (On-Hook / Towed Vehicle Coverage)

Physical Damage (Collision & Comprehensive)

Garage Keepers Legal Liability

Garage Keepers Legal Liability

Physical Damage (Collision & Comprehensive)

General Liability

Garage Keepers Legal Liability

Workers’ Compensation

Workers’ Compensation

Garage Keepers Legal Liability

Workers’ Compensation

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