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

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.

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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
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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.


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.

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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.


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.


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.


Start saving

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

Customers Reviews


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.

Quick Commercial Truck Insurance Quote

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