Towing

Towing businesses face unique exposure from roadside service, accident recovery, impound handling, and transport of customer vehicles. Commercial auto liability and physical damage are foundational, but towing operations often need coverage beyond standard fleet policies.

On-hook and garagekeepers-related protections can help address damage to vehicles under your care, custody, and control. General liability and garage liability also play a role when incidents occur at your lot, dispatch office, or service yard.

Workers' compensation supports drivers and technicians who work in hazardous traffic and recovery environments, while excess liability can be essential for severe losses. Depending on contracts, you may also need higher limits and specific endorsements for municipal or law enforcement work.

We help towing operators review dispatch patterns, storage procedures, equipment, contract terms, and claims history to build a program that reflects the real demands of roadside and recovery work.