
Straightforward guides, insights, and tools to help your tow fleet protect cash flow, stay insurable, and run a cleaner operation.
Learn how to make insurance easy for your tow fleet. Our articles break down real-world topics in plain English — from lowering costs to keeping cleaner files and avoiding common coverage mistakes.




Download the forms you need to get your quoting packet started. These tools make it easy to submit clean, accurate documents so we can move your file fast.
Our short videos turn complex towing insurance topics into simple, practical lessons. No fluff — just clear explanations you can use today.
Connect with other tow operators, share insights, and get direct updates from the Sierra Pacific team. Join our TownInsure Facebook group and be part of a community built to help each other stay protected and profitable.

Need to reach your insurance market fast? Here’s a quick directory of claims and support contacts. And if you need help, the Sierra Pacific team is always here to guide you.
Have questions about towing insurance? We’ve answered the most common ones below to help you understand coverage, costs, and how we work with operators nationwide.
We specialize in tow fleets — from 1 truck to 50+. Roadside, impounds, police rotation, AAA, and heavy duty. If your truck lifts or loads cars, you’re our lane. We don’t do box trucks or generic cargo haulers.
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.
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.
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.
Most states require:
Auto liability — $750K or $1M
On-hook — covers cars you’re towing
Garagekeepers — if you store cars
General liability — protects your business
Some contracts (CHP, AAA, PD rotation) require higher limits. We’ll match the quote to the contract.
Yes — but you must tell us before they drive. Adding a driver after a wreck can void your coverage. Same goes for trucks.
Yes. We know exactly what CHP and AAA want to see — liability limits, garage coverage, on-hook. We’ll send you a certificate that passes their review.
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.
We shop the entire tow insurance market — over 14 carriers. We run quote grids by risk level and state, not guesswork. You’ll see every valid option you qualify for.
1. Send your vehicle list, driver list, and current insurance.
2. We build your quote packet.
3. You approve which markets to submit to.
4. We return pricing and review options with you.
5. You sign + pay via DocuSign. Coverage starts.
Because we don’t waste time. We specialize in tow fleets. Our quoting packets are built to win.
Underwriters have said: “Cleanest tow submission on my desk.”
Or call us to speak with a tow insurance specialist.
Don't wait for your renewal notice. By then, it's too late.
Sierra Pacific Insurance Services
Tow Insurance Specialists | 14 Carriers | 25+ States
Last Updated: March 11, 2026

© Copyright 2026. Sierra Pacific. All Rights Reserved.
to stay up to date on all the latest news and offers from us