Resources for Towing Professionals

Stay informed, stay protected. Explore tips, guides, and updates designed to help towing operators keep their business safe and covered.

Featured Articles

Learn how to make the most of your towing insurance. Our latest articles cover real-world topics that matter — from lowering premiums to improving safety practices on the road.

How to Lower Your Tow Truck Insurance Premiums in 2025

Sierra Pacific Insights

Understanding On-Hook Coverage — What It Really Protects

Sierra Pacific Insights

The Top 5 Towing Safety Mistakes Operators Make

Sierra Pacific Insights

Why Specialized Towing Insurance Beats General Commercial Auto Policies

Sierra Pacific Insights

Insurance application forms

Download, fill, and submit your insurance application forms quickly. These resources are made for towing professionals who want fast, paper-free access to coverage.

WC app MCC (pdf)

CAP tow app MCC (pdf)

Watch & Learn: Towing Insurance Made Simple

Our quick videos break down complex towing insurance topics into easy-to-understand insights — from coverage explanations to real client experiences.

How to Lower Your Tow Truck Insurance Premiums in 2025

Sierra Pacific Team

Join Our Towing Community

Connect with other towing operators, share insights, and get exclusive access to updates from the Sierra Pacific team. Join our official TowInsure Facebook group and be part of a growing network of professionals who protect each other.

TowInsure Community — Connect With Operators Like You

Claims & Support Contacts

Need to reach your insurance carrier directly? Here’s a quick directory of claims and support contacts for our partner providers. For help or questions, the Sierra Pacific team is always available to assist.

GAAC finance company

800.470.9674

Progressive

800.876.5581

State Comp Ins Fund

888.782.8338

scif.com

SafeCo Insurance Gold Support

866.472.3326

AmGuard Insurance

800.315.6090

Colony Insurance

833.240.4128

Frequently Asked Questions

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.

What kind of tow businesses do you actually help?

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.

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.

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.

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.

What coverages do I have to carry?

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.

Can I add drivers or trucks mid-policy?

Yes — but you must tell us before they drive. Adding a driver after a wreck can void your coverage. Same goes for trucks.

Do you help with CHP or AAA insurance?

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.

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.

Do you shop every market, or just one?

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.

What’s the process to get started?

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.

Why should I trust you?

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.”

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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