Tow Truck Insurance in Texas
Tow truck insurance covers wrecker and recovery fleets, adding on-hook and garagekeepers coverage for the vehicles you tow and store.
Towing carries exposures no other trucking class has: damage to the vehicle you’re hauling (on-hook) and to vehicles stored on your lot (garagekeepers), plus high roadside-accident frequency. Repo and police-rotation work raise the risk further.
What underwriters look at
- On-hook coverage for vehicles in tow
- Garagekeepers coverage for vehicles stored on your lot
- Repossession and police-rotation exposure
- Roadside recovery and highway shoulder work
Coverages for a tow truck fleet
Auto Liability
Commercial auto liability pays for bodily injury and property damage your trucks cause to others, and is the coverage FMCSA requires on file before a carrier can operate.
Physical Damage
Physical damage insurance pays to repair or replace your own trucks and trailers after a collision, theft, fire, or other covered loss.
General Liability
Truckers general liability covers the off-the-truck exposures of a trucking business, such as injuries at your yard or damage during loading and unloading.
Common questions
- What is on-hook coverage for a tow truck?
- On-hook coverage pays for damage to a customer’s vehicle while it is being towed — in your care, custody, and control. It is separate from the liability that covers damage to others, and nearly every towing contract requires it.