Tow Fleet Coverages

Clean, simple explanations of the coverages tow fleets use every day.

Auto liability coverage

Covers bodily injury or property damage your tow truck causes to others. Auto liability is the foundation of every tow fleet’s commercial auto policy.

Comprehensive & collision coverage

Protects your tow trucks against theft, vandalism, fire, and collision damage. Helps keep your fleet running without unexpected repair bills.

On-hook coverage

Protects customer vehicles while you’re towing, recovering, or moving them. Essential for every tow fleet handling damaged or disabled autos.

General liability or Garage liability

Covers injuries or property damage that happen because of your business operations — on your lot, at a job site, or during service work.

Garage keepers legal liability

Protects customer vehicles in your care, custody, or control while they’re stored on your property. Ideal for tow yards and overnight holding areas.

Building property coverage

Protects your buildings and structures from losses like fire, storm damage, or theft — keeping your operations stable after unexpected events.

Inland marine coverage

Covers your mobile tools and equipment wherever they go — from dollies and chains to special recovery gear. Keeps your essential tools protected.

Business personal property coverage

Covers equipment, inventory, office furniture, and business property at your location. Helps keep your operations moving after a covered loss.

Umbrella insurance policy

Adds extra liability protection above your existing limits. A smart option for tow fleets handling high-risk recoveries or heavy traffic areas.

Workers compensation policy

Covers medical costs, lost wages, and recovery support for employees injured on the job. Helps you stay compliant and protect your team.

READY TO GET STARTED?

Need help choosing the right coverages?

We’ll walk your tow fleet through each coverage in plain English and build a clean, accurate quoting packet the insurance markets trust.

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