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We can offer insurance coverage for tow trucks of almost any year, make, and model, regardless of how you use them. Our team of agents based in Dallas, TX understands the unique risks associated with towing, and we are dedicated to providing our clients with the most reliable coverage with A++ rated insurers*. Whether you need coverage for the vehicles you are towing, for physical damage to your tow truck, or for liability in case of an accident, we have you covered.

Tow Truck Insurance

What is Commercial Towing Insurance?

Towing operations come with unique risk that are exclusive to the Towing, Repossession, Roadside Assistance & Auto body and repair shops industries. We have longstanding relationships with our 'Towing Program' underwriters, allowing us to have quick turn-around times & favorables terms and conditions for your custom policy. Contact us today to learn more about how we can help protect your tow truck with customized insurance coverage.

Why Do You Need Commercial Towing Insurance?

In general, tow trucks need auto liability coverage to protect against injuries or damage to other people or property, as well as on-hook or in-tow coverage to protect the vehicles you tow. You may also want physical damage (i.e. comprehensive & collision) to protect your tow truck in the event that it gets damaged in an accident or a covered weather event. Depending on your specific tow truck and how you use it, we can help select the most appropriate commercial auto insurance coverage.

Whether you need coverage for the vehicles you are towing, for physical damage to your tow truck, or for liability in case of an accident, we have you covered. Contact us today to learn more about how we can help protect your tow truck with customized insurance coverage.

Physical Damage Insurance: This is the type of insurance that you will need to pay for the damage to your tractor/trailer during an accident, or because of another covered loss. Coverage will include both comprehensive damage caused by vandalism, theft or severe weather, as well as collision damage caused by an accident. There is a huge difference in Actual Cost Value (ACV) Vs. Replacement Cost (RC) coverage, making it vital that you have an experienced broker to advise you of these coverage differences.

Motor Truck Cargo Insurance & On-Hook Insurance: (A.K.A) MTC, this policy provides coverage for the freight you are hauling, while it is in your care, custody & control (CCC). This coverage is vital for any "For-Hire" trucking operations to protect yourself, the shipper & freight broker. Most insurance carriers have crafted their own Motor Truck Legal Liability Form, so it is important to understand what is covered & what is excluded. On-Hook Coverage is often confused with cargo insurance. On-Hook insurance only protects the vehicle itself. It does not protect personal items, like purses, laptops, and cell phones, left inside the vehicle. That’s the purview of cargo insurance. Cargo insurance protects any personal item left inside a towed vehicle from physical damage, theft, or vandalism. Cargo insurance is usually a good idea for towing businesses and can be bundled in with on-hook coverage.

Workers Compensation Insurance: Workers Compensation will cover medical bills, physical therapy, prescriptions, and necessary travel expenses for any work-related injury. In order to receive benefits, the treating doctor must be on the state’s approved list. If the injury is serious, the employee may be entitled to lifetime medical benefits. It will also cover lost wages, burial & death benefits & legal action if an employee sues your workplace after an injury.

Umbrella/Excess Insurance: Umbrella or Excess Insurance provides extra protection for your company in the event of an catastrophic loss (CAT/Shock Loss). These coverages are secondary and only triggered when all other applicable coverage limits have exhausted. It is imperative that you have this coverage as the risk of not securing it is enough to put most motor carriers out of business.

Towing Insurance Coverages

Auto Liability Insurance: Your transportation liability insurance will cover bodily injury, provide financial support for medical expenses, and property damage. If legal action is taken out against you because of the accident, your liability insurance will also cover the cost of your defense, regardless if you are found to be at fault or not.

Truckers General Liability Insurance: General liability insurance for truckers is a type of insurance that can help protect you financially if you're ever held responsible for damaging someone else's property or causing an injury. This coverage is important because it can help pay for things like repairs to the other person's property, medical bills, and even legal fees if you're sued.

All Semi-Trucks

All Trailers

Dump Trucks

Box Trucks

Tow Trucks

Vehicles We Insure

Insurance Coverages We Offer

At Trucking Insurance Solutions, we assist trucking companies and haulers of all types, providing them with the best insurance rates along with the necessary compliance advice that comes with owning a trucking company. We firmly believe that experience, knowledge & negotiation is the key to successfully securing insurance coverage. We think outside of the box to craft solutions specific to your transportation operations. Terms are just as important as premium.

General Liability

Auto Liability

Physical Damage

Motor Truck Cargo

Workers Compensation

Umbrella/Excess

Bobtail & NTL

Pollution Liability

The coverages listed above are the main coverages we offer. There are over 30 endorsements we can add to your policy to enhance coverage. Click the button to learn more about specific coverages for your trucking operation, or email: Joshua@trucking-insurancesolutions.com

We pride ourselves on being rated #1 for customer service. Our client portal allows self service, keeping you on the road more and on the phone less.

We value lasting relationships with our team and our clients. Learn why insurance companies and trucking companies put their trust in Trucking Insurance Group.

Using our unique strategies, we have been able to save clients up to 30% on their annual premium, while also helping lower the clients CSA scores.

As a client focused agency, we are available, proactive, urgent and accurate. Sincerely, we look after our clients as if they are family.

Why Trucking Insurance Solutions?

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