What Is Commercial Tow Truck Insurance and Why Do You Need It?

Running a tow truck business isn’t just about helping stranded motorists — it’s also about managing serious risks on the road. Whether you operate a single truck or a fleet, having the right commercial tow truck insurance isn’t optional — it’s essential for protecting your vehicles, your team, and your bottom line.

At Commercial Pro Shield Insurance, we specialize in protecting tow truck operations just like yours. This guide will walk you through what commercial tow truck insurance includes and why it’s a must-have for any responsible business owner.

What Is Commercial Tow Truck Insurance?

Commercial tow truck insurance is a specialized type of commercial auto policy designed specifically for businesses that operate tow trucks. These can include:

• Roadside assistance providers

• Auto repair shops with tow services

• Salvage or repossession companies

• Wrecker operators

• Flatbed tow services

This insurance offers protection against the unique risks tow operators face, such as:

• Damage to customers’ vehicles

• Accidents while towing

• On-scene liability (like injuries during a hookup)

• Legal liability for third-party injuries or property damage

What Does a Tow Truck Insurance Policy Cover?

Your specific coverage needs depend on the services you offer, but most tow truck policies include:

1. Liability Insurance Required by law, it covers bodily injury and property damage to others when you're at fault.

2. Physical Damage Coverage Protects your truck against collision, fire, theft, and vandalism.

3. On-Hook Towing Insurance Covers damages to a customer’s vehicle while it’s being towed.

4. Garage keepers Legal Liability If you store customer vehicles on your property (like overnight or during repairs), this protects them from damage or theft.

5. Medical Payments Covers injuries to the driver and passengers in your truck.

6. Uninsured/Underinsured Motorist Coverage Protects you if you're hit by someone without enough insurance.

Why Do You Need Tow Truck Insurance?

1. It’s Legally Required Nearly every state mandates liability coverage for commercial vehicles. Tow truck operations also often need specialized coverage to meet contract requirements (like police rotation lists or roadside assistance partnerships).

2. It Protects Your Business Assets Accidents happen — whether it’s a fender bender or a multi-vehicle pile-up. Without proper insurance, your business could be financially liable.

3. It Builds Trust With Clients and Partners Having comprehensive coverage shows professionalism. Clients, repair shops, and municipalities are far more likely to work with properly insured operators.

4. It Covers Industry-Specific Risks Standard auto insurance doesn't cover vehicles in tow or customer damage claims. Only commercial tow truck insurance does that.

How Commercial Pro Shield Insurance Can Help

At Commercial Pro Shield Insurance, we know the towing industry inside and out. We don’t just sell policies — we tailor coverage that fits your exact needs.

Here’s why towing businesses choose us:

✅ Fast, competitive quotes
✅ Coverage tailored to repossession, roadside, or recovery services
✅ Certificates of Insurance delivered quickly
✅ Claims support that understands your business
✅ Flexible payment plans to help with cash flow

Final Thoughts

Tow truck insurance isn’t just a safety net — it’s a smart business move. With the right policy in place, you’re not just protecting your trucks — you're protecting your reputation, your team, and your future.

If you’re looking for expert help with commercial tow truck insurance, contact Commercial Pro Shield Insurance today. We'll get you covered — so you can get back on the road with confidence.

📞 Get a Free Quote Today Ready to protect your tow truck business? Call us or request a quote online in minutes. We’re here to make insurance simple, affordable, and tailored for you.