Start with how the operation runs
Towing combines road liability, customer vehicles, recovery scenes, storage, drivers, equipment, and sometimes garage or repair activities.
Coverage areas to review
- Commercial auto liability and physical damage
- On-hook coverage for customers' vehicles being towed
- Garage liability and garagekeepers when operations create those exposures
- General liability, property, workers' compensation, and umbrella or excess
Information to prepare
- Tow units, wreckers, rollbacks, drivers, radius, and values
- Towing, recovery, roadside, repossession, storage, and repair activities
- Maximum customer-vehicle values on hook and in storage
- Police rotation, municipal, motor-club, and other contract requirements
Questions to answer before quoting
- What vehicles are towed, recovered, or stored?
- Does the business perform repair, body work, repossession, or impound services?
- What is the maximum customer-property concentration?
Frequently asked questions
What is on-hook coverage?
It can address covered damage to a customer's vehicle while it is being towed or transported, subject to the selected form, limits, deductibles, and exclusions.
Is on-hook the same as garagekeepers?
No. On-hook generally relates to towing or transport, while garagekeepers can address customer autos in care at a garage or storage operation. Actual forms and operations control.
Coverage, filings, eligibility, limits, deductibles, exclusions, and availability vary by authority, contract, operation, driver, equipment, jurisdiction, and insurance market. Actual policy and regulatory requirements control.