- What is it?
Tow truck insurance is specialized commercial vehicle insurance for wreckers. Most policies provide protections for tow trucks, the businesses that operate them, and the vehicles they carry.
- Who’s it for?
Individual owner-operators, businesses with fleets of wreckers and auto repair shops that have a wrecker should all probably have coverage. Policies are readily available for most types of wreckers
- What is offered?
- Physical Damage Coverage
- Comprehensive Coverage
- On-Hook Towing Coverage
Tow Truck Insurance in California
What is tow truck insurance?
Operating tow trucks comes with inherent risks, as these vehicles are often working roadside shoulders during inclement conditions. While tow truck insurance won’t prevent a roadside tragedy (or other incidents) from happening, it may provide California operators with financial protection when something does go wrong.
Tow truck insurance is specialized commercial vehicle insurance for wreckers. Most policies provide protection for tow trucks, the businesses that operate them, and the vehicles they carry.
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What California businesses should carry towing insurance?
Most operators that offer towing services on California roadways need towing insurance. State law normally requires that minimum coverages are in place, and extra protection is often advisable.
Individual owner-operators, businesses with fleets of wreckers and auto repair shops that have a wrecker should all probably have coverage. Policies are readily available for most types of wreckers, including:
- Flatbed tow trucks
- Hook and chain tow trucks
- Wheel lift tow trucks
- Integrated tow trucks
One of the few businesses that haul vehicles but probably needs a different type of insurance is car transporters. Although transporters frequently need some of the coverages found within tow trucks, they usually also have other coverage needs that are found in a different type of policy. A knowledgeable insurance agent can help car transporters find a policy that provides all of the coverages they need.
What protections are available through towing insurance policies?
The coverages that towing policies offer are normally multifold. Some of the more commonly provided protections are:
- Physical Damage Coverage: May cover wrecker damage occurring during accidents
- Comprehensive Coverage: May cover wrecker damage occurring during other incidents
- On-Hook Towing Coverage: May cover damage to vehicles while they’re towed
- Garage Services Coverage: May cover damage to vehicles while they’re stored
- Tow Truck Liability Coverage: May cover third-party injuries and/or property damage
- Medical Payments Coverage: May cover injuries’ medical costs from accidents
- Underinsured/Uninsured Motorist Coverage: May cover accidents with uninsured drivers
An insurance agent who specializes in towing insurance can explain these and other coverages, helping operators choose the protections that they need.
Is workers' compensation included in towing policies’ coverages?
Workers’ compensation is an important coverage that generally protects against on-the-job injuries, which are certainly a concern when working along roadside shoulders. The coverage is often legally required when a business has employees.
Whether workers’ compensation is found within a towing policy’s coverages depends on the specifics of the policy. Some policies might offer the coverage, but others may let operators purchase the coverage on their own. Workers’ comp is readily available through standalone policies that offer the one coverage if it’s not part of a towing policy’s protections.
How much are premiums for towing insurance policies?
The premiums charged for towing policies are based on many factors. Some of the details that can impact cost are the following:
- Equipment’s year, make and model
- Operator’s driving record
- Roads driven on
- Vehicles towed
Operators can quickly find out how much insuring their trucks will cost by speaking with an independent insurance agent, who’s able to request customized quotes from multiple insurance companies that offer policies.
How can towing operators in California get tow truck insurance?
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