Tow Truck Insurance
Protect your truck and your customers' vehicles from damage
Tow Truck Insurance from Progressive
Insure your business and protect what you tow with On-Hook and Garagekeepers Legal Liability insurance
Customized coverage for towing businesses
A tow truck business is any business that earns income by towing or providing roadside repair to disabled vehicles, operating a repair facility or performing some repossession work. If this is part of your business, then we can get you the right two truck insurance to protect you. Examples of businesses that may need commercial tow truck insurance typically include:
- Roadside service providers
- Auto club contractors
- Rotational towing
- Auto body shops
- Auto mechanical repair
- Full service stations
- Auto salvage and auction haulers
At Progressive, we think of tow trucks as the white knights of the road, rescuing stranded vehicles and their owners. With so much riding on your tow truck, towing insurance products and features designed specifically for your needs are vital.
Below is information that addresses specific questions or issues you may have about insurance for your tow truck company:
- Tow Truck Insurance – Learn what you need to protect your tow truck business.
- Superior Claims Service – Discover why superior claims service matters - and find out what Progressive is doing to make claims better.
- Frequently Asked Questions – Get fast answers to common tow truck insurance questions.
Tow truck coverages
That's why having the right towing insurance is an especially important part of every towing business. And it's why Progressive has special tow truck insurance products and features designed to meet your unique needs.
The list below outlines various towing insurance products and features that we recommend for your business. Click on the insurance coverages to learn more about who needs it, what it does and how it protects you.
Liability insurance — This form of insurance for commercial tow trucks pays for damages that you cause to other people and their property.
Medical Payments Insurance — This type of commercial tow truck insurance pays medical bills for you and any passengers in your vehicle in case they are hurt in an accident or auto-related injury.
Physical Damage Coverage — Physical damage coverage pays for repairs to your vehicle if it's ever damaged in an accident, whether it's caused by a collision with another vehicle or a falling tree branch. Physical damage tow truck insurance coverage can include:
Uninsured Motorist Insurance — Pays for damages to you and your passengers caused by drivers who don't have insurance or don't have sufficient insurance. It also protects you in the event of a hit-and-run. Uninsured motorist insurance for commercial tow trucks can include:
- Uninsured Motorist Insurance
- Underinsured Motorist Insurance
- Uninsured Motorist Property Damage Insurance (Where Available)
Insurance for commercial tow trucks
These are coverages designed specifically for insurance for tow truck companies. They'll protect you when you're storing or towing a customer's vehicle.
Garagekeepers Legal Liability insurance — This insurance for commercial tow trucks provides protection for customer vehicles when they're parked at your shop, garage, etc.
On-Hook Towing insurance — This towing insurance protects customer vehicles while you're towing them.
Towing insurance: tow trucks used for repossession
Progressive does not currently offer insurance for commercial tow truck businesses that earn more than 24 percent of their revenue from repossession work.