Tow Truck Insurance
Looking for reliable commercial tow truck insurance? At SCI, we bring over 30 years of expertise in providing tailored tow truck insurance solutions. With hundreds of 5-star Google reviews and an A+ BBB rating, SCI stands as your trusted partner for fast, affordable, and comprehensive coverage.
Our commitment to exceptional customer support, affordable pricing, and fast claim settlements makes us one of the most dependable commercial tow truck insurance providers nationwide.
Get a customized quote for your tow truck or fleet today — we offer multiple coverage options under one roof so you get the best protection at the most competitive price.
Tow Truck Owners and Operators Trust SCI with Their Insurance Needs
Protect your tow truck with a comprehensive policy
Towing operations face unique risks every day — from roadside breakdowns to vehicle storage and accident recovery. Our commercial tow truck insurance is designed to safeguard your business from property damage, liability claims, and operational disruptions.
What does liability insurance cover?
If you offer roadside assistance, vehicle recovery, or storage services, tow truck insurance is essential. This includes:
- Roadside service providers
- Rotational towing
- Auto club contractors
- Auction haulers
- Auto body shops
Full-service stations- Auto mechanical repair
Towing and storage protection
On-Hook Towing insurance
Protects vehicles owned by others while being towed. Covers damage caused by collision, fire, theft, or vandalism during transport.
Garagekeepers Legal Liability insurance
Covers customer vehicles while parked, stored, or serviced at your facility — including damage from fire, collision, theft, or vandalism.
General Liability insurance:
Covers bodily injury, property damage, and legal costs if your towing business is found responsible for harm to a third party. Some states require this coverage by law.
Tow truck insurance coverage
The tow trucking business needs a variety of insurance coverages. Following is the list of coverages that you require for smooth towing operations:
- Liability insurance: This provides you with dual coverage for third parties—property damage liability and bodily injury liability coverage. This insurance pays for physical as well as property damage caused to people.
- Physical damage insurance: You get reimbursed for the repair or replacement cost of a tow truck when it gets damaged after an accident or collision.
- Medical payment insurance: This insurance compensates for the medical costs that incur when your trucker and passengers get physically injured after an accident.
- Uninsured motorist insurance: If a driver with or without coverage hits your truck that results in injury to your trucker and passengers, this policy will pay for it. This is helpful in hit-and-run cases.
How much does tow truck insurance cost?
There are many factors that influence the cost of tow truck insurance. But the average tow truck insurance monthly cost is $448 which comes up to $5376 annually.
Want to know what factors affect your towing truck insurance? Here are some:
- Radius of tow
- Type of tow trucks
- Age of business
- Location
- Truckers & their driving records
- Type of vehicles hauled
- Number of trucks you own
What is a Tow Truck Insurance Broker?
At SCI, our licensed tow truck insurance brokers simplify the process of finding the best coverage for your business. Unlike agents tied to one insurer, brokers work independently to represent your interests.
We assess your business risks, compare multiple insurance carriers, negotiate competitive rates, and ensure your coverage meets state and federal regulations.
With our deep understanding of towing operations — from roadside recovery to storage liability — SCI’s brokers make sure you’re covered from every angle. You get peace of mind knowing your business is protected by professionals who truly understand the industry.
Tow Truck Insurance FAQs
What insurance do you need for towing?
Essential coverages include Primary Liability, On-Hook Towing, and Garagekeepers Liability. Additional protection like Physical Damage and General Liability ensures your truck, business, and customer vehicles are all covered.
Can I get a tow truck through insurance?
Insurance won’t buy the truck for you, but it’s required before you can finance, lease, or operate it. SCI helps secure the proper coverage — liability, physical damage, and on-hook — to meet both lender and legal requirements.
What are the requirements to own a tow truck?
Requirements vary by state but generally include a commercial driver’s license (CDL), business registration, operating permits, and proof of insurance (Primary Liability, On-Hook, Garagekeepers). SCI helps ensure you meet all necessary regulations.
Is towing insurance worth it?
Absolutely. Without proper insurance, one accident or damage claim could cost your business thousands. SCI offers affordable, towing-specific coverage that protects your assets, vehicles, and reputation — so you can focus on keeping your business running smoothly.
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