Auto Liability
Core liability protection tied to the operation of covered towing vehicles.
Towing Insurance
Coverage built for towing operations and related garage exposures
Evo Insurance helps towing businesses review commercial coverage for tow trucks, on-hook exposure, garage-related risks, and the day-to-day realities of towing operations.
Operation Types
Towing operations we insure
Towing businesses and related automotive operations often face specialized risks tied to vehicles in care, custody, or control, roadside operations, and garage-related exposure.
Tow Truck Operations
General Towing
Auto Body Shops
Auto Repair Operations
Roadside Service Exposure
Vehicle Storage Exposure
Impound-Related Exposure
Garage Operations
Coverage Options
Common towing coverage options
Towing risks often involve a combination of auto liability, damage to owned equipment, and exposure tied to customer vehicles or vehicles being transported.
General Liability
Helps address business liability exposures outside the operation of the tow unit itself.
On-Hook Towing
Important where customer vehicles are being lifted, towed, or transported.
Garagekeepers Liability
Relevant where customer vehicles may be stored, parked, or otherwise under the business’s care.
Physical Damage
Coverage considerations for damage to owned tow trucks and related equipment.
Medical Payments
May be part of the discussion depending on the structure of the auto coverage.
Uninsured / Underinsured Motorist
Can be important depending on jurisdiction and how the fleet exposure is structured.
Cargo-Related Exposure
In some operations, transported property exposure may still need to be reviewed carefully.
Why This Matters
Why towing coverage varies
A towing business may face roadway exposure, storage exposure, customer vehicle exposure, and premises-related issues all at the same time. That is why towing coverage often needs a more deliberate review than a standard commercial auto account.
Customer vehicles matter
Exposure can arise when vehicles are hooked, moved, stored, or otherwise in the business’s control.
Operations matter
A roadside tow operation does not necessarily carry the same profile as a garage or repair-related business.
Structure matters
The right mix of coverage depends on how the towing business actually operates day to day.
Helpful to Have Ready
Information that can help move the process along
Not every towing request starts with a complete submission package, but having basic operating details ready can make next steps much smoother.
- Business name and contact information
- Vehicle list and tow unit details
- Whether vehicles are stored or kept overnight
- Current carrier and renewal timing
- Any supporting insurance documents if available
Ready to get started?