Commercial Auto Insurance

Tow Truck Insurance

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 hauling:

  • 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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What is a Tow Truck Insurance Policy?

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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Types of Towing and Storage Insurance Coverages

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

Garagekeepers Legal Liability Insurance

Garagekeepers insurance covers damages to customers' vehicles while in a business's possession for parking, repair, or storage, protecting against theft, fire, vandalism, or collision.
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On-Hook Towing insurance

On-hook towing insurance covers damages to vehicles being towed by a tow truck. It protects the towing company against liability for accidents, theft, or damage during transport.
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General Liability Tow Insurance

General Liability Insurance covers your company if found liable for bodily injury, property damage, or personal injury that is not directly related to your covered vehicles.
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Types of Tow Truck Insurance Coverages

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.
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Medical Payments Insurance

Provides coverage for medical expenses incurred by you and your passengers if injured in a car accident, helping ensure financial protection and peace of mind during unexpected situations.
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Uninsured Motorist Insurance

Provides coverage for injuries to you and your passengers from at-fault drivers with no or insufficient insurance, including hit-and-run incidents. Options may include underinsured and uninsured motorist property damage insurance (where available).
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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.
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Recommended and Required Minimum Coverages

Below are some of the minimum coverage requirements and recommendations, however, we recommend talking to one of our Commercial Insurance Specialists to get specific recommendations on the coverage you need based on what you are hauling.

Liability Coverage
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 Coverage

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.

Truck Cargo Coverage
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.

Types of Commercial Auto Coverages

VIEW ALL COMMERCIAL AUTO COVERAGES

Diminished Value Insurance Coverage

Diminished Value Coverage accounts for the actual or perceived loss in market value or resale value of a car that was in an accident.

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Truck Cargo

In many cases, the most valuable asset in your business is the cargo you haul. Truck Cargo coverage insures the contents of the trailer and much more so you are not liable for damages.

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On-Hook Towing Insurance Coverage

On-Hook Towing Insurance Coverage pays for damages to a vehicle, such as fire or collision, while the car is in tow.

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Garagekeepers Insurance Coverage

Garagekeeper coverage protects tow truck drivers against things like fire, theft, vandalism, or a collision with a vehicle they are towing.

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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

Steps to get Commercial Truck 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.

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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.

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DOT Problems? We've got 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:

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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 Tow Truck Insurance Quote

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