Tow truck fleet insurance

The short answer

Tow truck insurance combines auto liability and physical damage for your trucks with coverage for customer vehicles in your care: on-hook while towing and garagekeepers while stored on your lot. Police rotation lists and motor clubs set their own minimum limits.

Get a quote Call (555) 555-0123

Coverages towing fleets need

Auto liability
On-hook coverage for customer vehicles while towed
Garagekeepers for vehicles stored at your yard
Physical damage for wreckers and rollbacks
General liability and workers' compensation

Contracts and requirements

Police rotation, municipal and motor club programs often require higher limits and additional insured certificates. Tell us which programs you work with so your policy matches from day one.

Last updated November 10, 2026. Reviewed by a licensed insurance professional at Haul Good Insurance.

Frequently asked questions

What is on-hook coverage?

It covers damage to a customer's vehicle while it's attached to or loaded on your tow truck.

What is garagekeepers insurance?

It covers customer vehicles left in your care, such as on your storage lot, against fire, theft and vandalism.

Get a free fleet insurance and CSA review.

For carriers with 5+ power units. Tell us about your fleet; it takes about three minutes.

Start my quote Call (555) 555-0123