Tow Truck Insurance​

Tow Truck Company Insurance

Who can
we Help

As a Commercial Truck Insurance Provider, we assist Tow Truck Companies and have a solution to assist you no matter what level you are at.

We can help no matter what you are towing:

  • Roadside service providers
  • Auto club contractors
  • Rotational towing
  • Auto body shops
  • Auto mechanical repair
  • Full-service stations
  • Auto salvage and auction haulers
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Towing Company Insurance

What and Why?

What is Towing Company Insurance?

Tow truck insurance helps protect tow truck operators from many of the risks they face. Tow truck insurance is a specialized form of commercial truck insurance. It is designed for towing companies and our policies offer coverages specific to the insurance needs of tow truck operators.

Why do you need Towing Company Insurance?

Towing insurance will cover your assets as well as the vehicles you are hauling in the event that something happens while towing a customer vehicle. There are all different types of coverage depending on the type of towing your company does. Contact us for more information on what coverage works best for your company.

QUESTIONS?

plan of action

know your Coverage

It is important to keep in mind legal requirements when obtaining trucking insurance. Commercial Truck Insurance is mandatory in all 50 states and failure to obtain coverage could cost you a lot of money in fines or even worse, your license. By law, you must have a minimum of 750,000 in auto liability and cargo coverage (coverage depends on what you are towing). 

Auto Liability
1 K

Auto Liability, also known as Bodily Injury Physical Damage (BIPD), is required by the FMCSA at a minimum coverage of $750,000 to obtain your MC authority.

1K-200K

Physical Damage

Physical Damage is not required for Commercial Truck Insurance, but we do recommend it. Coverage depends on what you are driving and can range from $1000 to $200K.

Cargo
1 K

Truck Cargo Coverage is required by law, however the amount of coverage depends on what your trucks are hauling. Call one of our Trucking Insurance Specialists for a recommendation on minimum cargo coverage.

Towing and storage Coverage

Towing insurance can cover more than your typical wrecker or rollback truck.

Tow truck companies often carry the following:

Garagekeepers Legal Liability Insurance

This liability protects your customers' vehicles when they are parked on your property.

On-Hook Towing insurance

This covers your customers' vehicles while you are towing them.

General Liability Tow Insurance

This covers your company if found liable for bodily injury, property damage or personal injury that is not directly related to your covered vehicles.

Towing Truck Insurance Coverage

There are various towing insurance coverages that you will want to consider for your tow trucks, including:

Liability insurance

This covers injury that you cause to other people and damage to their property. It includes two coverages which are Bodily Injury Liability Insurance and Property Damage Liability Coverage.

Medical Payments Insurance

Covers medical bills for you and the passengers in your vehicle in case they're hurt in an accident or auto-related injury.

Uninsured Motorist Insurance

This gives you coverage for injury to you and your passengers caused by at-fault drivers who do not insurance or adequate coverage. It also protects you in case of a hit and run. Uninsured motorist insurance for commercial tow trucks can include Underinsured Motorist Insurance and/or Uninsured Motorist Property Damage Insurance (where available).

Physical Damage Coverage

Covers for repairs to your vehicle caused by an accident like a collision with another vehicle or a falling tree branch including, Collision Insurance, Comprehensive Insurance and Fire and Theft with CAC Insurance.

01

Request a quote

Before we can get you an estimate, we are going to need some information. Fill out a complete quote or quick quote to get started.

02

Get coverage

After we gather all of your information we will get back to you with a detailed breakdown of your coverage and how much it will cost.

03

Start saving

Our Commercial Truck Insurance specialists are constantly working to get you the best rates, whether you are a new or existing client.

Get Started

Customers Reviews

The guys over at CNS Insurance have the best prices compared to everyone else. Thank you guys.
Robert NievesOwner
Great insurance company! They are friendly and work with you in anyway and they get you on the road within hours.
Gustavo MendozaOwner
While shopping for insurance, Kiel was friendly & knowledgeable every step of the way in choosing a commercial insurance policy for my freight company. His communication was stellar and getting set up was easy as pie. Rates were awesome and competitive. Holly processes all of our COI requests and answers our questions in a very timely fashion. She is always helpful, prompt and attentive. We appreciate this in our industry more than words can describe because it’s so fast pace, having someone who can get you what you need expeditiously really matters. We are very pleased!
Marie AllenOwner
Miss Holly is an amazing account manager .. I just wanna say thank you for your help for the last 4yrs you guys been there for me .. I can name everybody from account to insurance and tax everyone they are very helpful team .. if you own a trucking company I will recommend CNS Insurance.
Truck AmarOwner
I was in a desperate time in my business and I really needed a breakthrough to continued to make money. Tony along with the team not only got me a great price to get my insurance they fought for me as if it was there own business. You do not find real people like that anymore and I will always remember the effort they put in to make sure I succeeded. If you want someone to get the job done these are the people you need guaranteed.
Kevin AntoineOwner
Excellent place, excellent staff, excellent communication, These guys help you out immediately when you call them. I work with Holly Turner númerouse of times and she”s been helpful and does everything immediately, I recommend CNS Insurance to anyone who needs help with insurance.
Myrian BedoyaOwner
Only started doing business with them six weeks ago but looking forward for us to have a great long term relationship. Thanks for all you do.
Miguel McKenzieOwner
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CASE STUDY

Company A, a 9-truck carrier, approached CNS due to a problem in their operations. Their surplus lines carrier who was charging $190,000 annually for 9 trucks was canceling their liability insurance. The trucking company called CNS to see what could be done.

CNS reviewed carrier’s roadside safety, performance, driver files, loss ratio history, systems, and process. CNS analyzed the company had no losses but high BASIC SMS scores. Upon further investigation there were only two drivers that had bad records.

CNS developed hiring and qualification standards and implemented these standards within the company. The company also engaged CNS to manage their divers through drivers qualifications, monitoring drivers and training drivers.

As shown in the graph, the clients safety scores improved year after year.

As a result of the improved safety scores CNS Insurance was able to secure insurance which saved the company $100,000.00 in annual premium. The client has been a loyal CNS and CNS Insurance customer for 6 years.

We Are Your Insurance Family

We are always a phone call away.

Our customer service is unmatched and we take pride in the fact that we build lasting relationships with everyone we talk to whether you are a client or not.

Contact Us

DOT Compliance? We have you covered

Risk assessment

Our DOT compliance partner, Compliance Navigation Specialist, are available with trucking compliance advice and DOT Compliance Programs that keep your company on the right track by keeping your risk low and even your insurance rates even lower.

Risk mitigating services:

Need more information?

Driver Training

Driver training and education is a very valuable resource to ensure a healthy fleet, and compliant safety practices. Our trainers can tailor our training to your specific operation.
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DOT Mock Audits

The CNS Specialists assist with all types of audits, including performing a Mock DOT Audit which analyzes your company and ensures you are prepared for a real audit when it happens.
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Driver File Management

Driver File Management is a service to manage your Driver Qualification Files (DQFs) and reduce your risk by establishing and keeping your driver files accurate, organized and diligent.
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DOT Compliance Programs

Our programs promote proactive safety, which means regularly maintaining the safety and compliance of your company, keeping you ahead of the FMCSA.
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Quick Commercial Truck Insurance Quote

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