Tow Truck Insurance
Tow Truck Insurance
Looking for Tow Truck Insurance?
A tow truck which is also known as a wrecker, a breakdown truck, recovery vehicle, or a breakdown lorry is a truck that is used to move broken down, improperly parked, impounded, or otherwise indisposed motor vehicles away from the road so as to avoid obstruction of free flow of traffic.
Your duties will include driving to the site of the breakdown or accident, assessing the damage to the vehicle, making minor repairs, and towing the vehicle to a company-approved service station or junkyard if required.
As transportation risk specialists, we understand your operations and how underwriters think to ensure you get the best results on your insurance.
Tow Truck Risks
Heavy Traffic: Tow truckers help prevent accidents or situations from getting worse by clearing up roads of incapcitated vehicles. Yet, the tow trucker is at risk because they are working in an area with lots of traffic which could hurt them and damage their truck. Tow truckers need space and time to their job.
Weather Conditions: Tow truckers work rain or shine. Weather conditions like heavy rain, fog, slippery roads, strong winds, etc. can make the job far riskier.
Road Rage: There are many incidents of violence against tow truckers. Some people who have parked improperly, been impounded, etc. do not like being towed for breaking the rules which could lead to the driver getting injured or worse.
Size of Vehicle Towed: Different tow trucks can tow different amounts of weight. Ensure you are only towing vehicles that fit within the limits of your truck’s towing capacity. Recall, you are hauling the weight of your truck plus another entire vehicle.
Tow Truck Insurance
Unique Insurance Considerations
On-Hook Towing Coverage: Sine you are hauling the property of others, in this case cars, this coverage will help pay for damages to the vehicles you are towing.
Garage Keepers Legal Liability Insurance: If your company owns the location where you are storing the vehicles of others, you need this coverage to cover the vehicles you are storing for clients.
Worker’s Compensation/Occupational Accident Insurance: Due to the nature of people in tough situations including when you try towing someone else’s vehicle if they broke the rules, you should get coverage to protect yourself from these potential injuries others could inflict on you.
Why Insurance Matters
When you own a tow truck business, you need to ensure that you are covered for any potential losses that might occur. It’s not just your truck you have to worry about. Insurance helps make sure that you stay compliant with state laws and avoid the many headaches that come with dealing with potentially devasting financial losses.
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