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Tow Truck Insurance is designed to protect towing companies from the unique risks involved in towing, recovery, roadside assistance, and vehicle transport. These operations face higher liability exposure than standard commercial auto risks due to frequent roadside activity, customer vehicle handling, and employee interaction with traffic.
Cogo Insurance provides Tow Truck Insurance programs for owner operators and fleets across the United States, including light duty, medium duty, and heavy duty towing operations.
Tow Truck Insurance is not a single policy. It is a coordinated package of coverages designed to work together.
Covers bodily injury and property damage caused by tow trucks while operating on public roads.
This includes:
Most policies are written with limits of $1,000,000 or higher, depending on contracts and municipalities.
On Hook coverage protects customer vehicles while they are being towed, lifted, or transported.
Covered losses may include:
On Hook coverage is one of the most critical protections for towing companies.
Garagekeepers Liability covers damage to customer vehicles while in your care, custody, or control at your lot or facility.
This applies when vehicles are:
Coverage can be written on a legal liability or direct primary basis.
Protects your own tow trucks against damage.
Coverage includes:
Proper valuation of specialized towing equipment is essential.
General Liability covers non-auto claims such as:
This coverage fills gaps not addressed by Auto Liability.
Protects drivers and employees injured on the job.
Towing is physically demanding work with high injury exposure.
Tow Truck Insurance is designed for:
If you tow customer vehicles, exposure exists.
Tow Truck Insurance pricing is driven by:
Accurate classification is critical to avoid coverage issues.
Many towing companies face issues such as:
Cogo Insurance structures towing policies correctly from the start.
Towing insurance requires specialized knowledge.
We focus on coverage that works during roadside and recovery operations.
Commercial Auto Liability is required by law. Other coverages are typically required by contracts, municipalities, or customers.
On Hook coverage protects customer vehicles while they are being towed or transported.
If you never store vehicles, it may not be required. Many contracts still require it.
Repossession often requires special underwriting and must be disclosed in advance.
Yes. Heavy duty recovery requires specialized equipment valuation and underwriting.
Yes. We review limits, classifications, exclusions, and contract compliance.
