Resources for Towing Professionals

Straightforward guides, insights, and tools to help your tow fleet protect cash flow, stay insurable, and run a cleaner operation.

Featured Articles

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.

The Iran War Just Hit Tow Operators. Here's What's Coming Next.

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 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.

WC app MCC (pdf)

CAP tow app MCC (pdf)

Watch & Learn: Tow Insurance Made Simple

Our short videos turn complex towing insurance topics into simple, practical lessons. No fluff — just clear explanations you can use today.

How to Lower Your Tow Truck Insurance Premiums in 2025

Sierra Pacific Team

Join Our Towing Community

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.

TownInsure Community — Operators learning together.

Claims & Support Contacts

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.

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.”

Get quoted before rates spike further:

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

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