Tow fleet insurance, made easy.

Protect your tow company with coverage built for real operators. For 17 years, Sierra Pacific has helped tow fleets protect cash flow, control costs, and stay on the road.

Making insurance easy for tow companies since 2008.

Why Tow Fleets Choose Sierra Pacific

Pure Focus

We specialize in tow fleets. That’s it. Your coverage is built around how you actually run trucks, drivers, and calls.

Dependable Coverage

From commercial auto liability to on-hook and garage coverage, we help you build a clean, complete program that protects your trucks, your people, and your reputation.

Proven Industry Experience

For 17 years, our team has helped tow owners secure strong commercial auto options and stay insurable through good markets and bad.

About Our Company

Focused on What Matters: Tow Fleets

Sierra Pacific is not a general insurance agency. We specialize in tow fleets, all day, every day. For 17 years, we’ve helped operators keep files clean, protect cash flow, and bounce back from losses. When you work with us, you get full market access in California and a team that understands tow risk better than anyone.

HOW WE WORK

Simple, clean, efficient.

1

Tell us about your tow fleet

Share your fleet size, drivers, loss runs, and how you operate. We keep it simple.

2

We build your carrier-ready quoting packet

Our team and AI tools organize your info into a clean, complete, accurate file underwriters love.

3

Review your options and choose your path

We bring you tow-friendly markets, explain tradeoffs in plain English, and help you pick what protects cash flow and keeps you competitive.

Tow fleets.

California markets.

Proven team.

17+ years protecting tow professionals.

Licensed nationwide with full market access in California.

Thousands of tow trucks insured, year after year.

Stay connected with the tow community.

Stay connected with Sierra Pacific

Follow us for tow safety tips, market updates, and real stories from operators like you.

Join our towing community

TownInsure Community — tow owners learning together.

Join our Facebook group where tow business owners share real-world advice, talk coverage in plain English, and get updates directly from the Sierra Pacific team.

COVERAGE OPTIONS

Core coverages for tow fleets.

On-Hook Coverage

Protects customer vehicles while you tow, recover, or move them.

Auto Liability

Covers bodily injury and property damage your tow trucks cause while on the road.

Physical Damage

Safeguards your own tow trucks against collision, theft, fire, and other covered losses.

TESTIMONIALS

What tow fleets are saying

JC responds almost before I hit "send" , LOL. Like his slogan, Sierra really does "work for their clients"

- Joel M.

Great company. Great service. Great experience. Highly recommended!!

- Matthew S.

A great company with a real people. ❤️❤️❤️

- Jhay C.

Still have questions?

Frequently Asked Questions

We keep answers simple, clean, and focused on what matters for your tow fleet.

Why do some quotes come in so much cheaper than others?

Usually because they’re missing something — wrong radius, no on-hook, or personal-use policy. Cheap quotes often get denied at bind or worse — denied at claim.

How much does tow truck insurance cost?

Average fleets pay between $8K to $25K per truck per year, depending on location, driving history, and coverage. You’ll pay more if you’re a new venture, had a lapse, or had claims.

How fast can I get a quote?

If you have your paperwork ready — clean driver list, vehicle list, and loss runs — we can return quotes same-day from certain markets. No app, no quote. No games.

Can you quote me if I just started or had a cancelation?

Yes — but fewer carriers will take you. We’ll quote what’s possible, flag what’s not, and show you how to rebuild your file to get better pricing over time.

READY TO GET STARTED?

Let’s protect your tow fleet today.

Call or text us to get your quote started today. We’ll build a clean, accurate, carrier-ready quoting packet so you can see your options and protect cash flow with confidence.

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