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Tow Truck Insurance Quote

What Does Tow Truck Insurance Coverage Provide For You?

Tow Truck Insurance coverage & policies are specifically designed for any business-owned or leased commercial vehicle which is a Tow Truck. A Tow Truck Insurance Policy typically includes liability coverage, property damage, personal injury protection, personal damage to others as well as on hook coverage. Tow Truck Insurance can also cover physical damage to the owned or leased tow truck which is also refereed to as collision, and either comprehensive, fire and theft coverage. The same way that you need insurance on your car, you need a business auto insurance policy to cover your business-owned or leased tow truck or flat bed vehicles. Tow Truck Insurance is unique because it adds coverage for "On Hook" Coverage or damage to vehicles in tow that could be damaged while in tow. When vehicles are in tow unique exposures exist like the possibility of the vehicle coming off the hook while in transit and damage your customers property.

A Tow Truck Insurance Policy Coverage Includes:

Bodily Injury Liability

Coverage for damages that involve bodily injury to others for which you become responsible under law. Tow Truck Limits available up to $1,000,000.

Property Damage Liability

Coverage for damage to property of others for which you become responsible under law. Tow Truck Limits available up to $1,000,000.

Medical Payments

Coverage for reasonable and necessary medical expenses and funeral services for those who are accidentally injured while in your automobile or while getting into or out of your automobile.

Personal Injury Protection

Coverage for medical, hospital, rehabilitation, loss of wages or loss of services costs resulting from injury to you or any resident family member. In case of death to the insured or a resident family member, death benefits and survivor benefits, if applicable, will be provided. Aggregate limits available up to $175,000.

Optional Coverage's For Tow Truck Insurance Policies:

On-Hook Towing Liability Insurance

A towing specific coverage that provides physical damage coverage for an auto or watercraft while being towed by an insureds' covered vehicle. The coverage provides protection in the event of fire, theft, explosion, vandalism or a collision. This is not the same as cargo coverage. Limits available up to $100,000 or more.

Comprehensive or Fire and Theft Insurance

Protection for the loss of or damage to your vehicle and its equipment from all causes except collision, subject to the deductible on the policy.

Collision

Protection for the collision damage to your automobile and its equipment, subject to the deductible on the policy.

Uninsured Motorist

Coverage allows you to recover bodily injury damages due to an accident where the other party does not have insurance, and is found legally liable.

Under Insured Motorist

Coverage allows you to recover bodily injury damages due to an accident where the other party is found legally liable and does not have adequate liability limits.

Hired Auto Liability Coverage

Covers liability for automobiles hired under contract on behalf of or loaned to the named insured.

Hired Auto Physical Damage

Coverage for an automobile of any type, hired, borrowed or leased on a short term basis for use in the insureds' business.

Employer's Non-Ownership Liability

Coverage for a private-passenger automobile used in the business of the named insured by any person, or the occasional and infrequent use of a commercial automobile in the business by any of your employees.

How Much Does A Tow Truck Insurance Policy Cost?

There are many factors that determine the price for a Tow Truck Insurance Policy. Factors like where the business is located, drivers license history, prior insurance, the value of vehicle being towed are some of the factors that are involved. At DurAmerica Brokerage we are a leader in Tow Truck Insurance Coverage, we represent dozens of insurance companies that specialize in Tow Truck Insurance and can provide you the most cost effective policy possible.Call us today or click on the quote button and one of our representatives will assist you immediately.

DurAmerica Brokerage currently offers Tow Truck Insurance in New York, NY, New Jersey, NJ, Pennsylvania, PA, Connecticut, CT. If your State is not listed here please check back with us often as we are adding additional States shortly.