Tow Truck Insurance in California


Call H&M Insurance Agency for Affordable Towing Company Insurance


As a tow truck business owner, you understand the unique risks that your drivers face while on the road. Whether you operate as a subcontractor, or independent contractor, or own a towing company, having a comprehensive commercial tow truck insurance policy is essential to protect your business from potential accidents and perils. At H&M Insurance Agency, we specialize in providing tow truck businesses with the coverage they need to operate confidently. Our experienced agents will work with you to understand your business and its specific needs and tailor a policy to provide the protection you require.


With a broad range of commercial truck insurance policies available, we offer the peace of mind that comes from knowing your business is protected from the various consequences and unforeseen events that can threaten your towing business reputation. For more information, contact us today at (619) 296-0005 and learn about the best California tow truck insurance quotes available. Request a tow truck insurance quote and ensure your business is 100% protected.




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What is Tow Truck Insurance?

All commercial tow truck owners and operators are responsible for the well-being of their drivers, customers, and the vehicles they’re serving, which is why U.S. law requires them to carry adequate tow truck liability insurance.

Although tow truck owners face more or less similar risks as commercial vehicle owners, they should also be aware of some unique perils. Accordingly, tow truck drivers have additional coverage options they can include in their basic commercial policy to provide full protection for themselves.

Who Needs Commercial Towing Insurance?

A tow truck business consists of towing disabled vehicles and providing services regarding roadside assistance. Therefore, any firm that earns money by performing such jobs should have commercial tow truck insurance – for example:

  • Auto body shops
  • Auto club contractors
  • Auto mechanical repair
  • The auto salvage and auction haulers
  • Full-service stations
  • Roadside service providers
  • Rotational towing

What is Covered with Tow Truck Insurance?

Our insurance agency offers the following coverages you can add to your primary policy. For example:

  • Tow truck liability insurance includes coverage for bodily injury and property damage you or your drivers can cause. You can be held liable in case of the following situations:
    • You’re at fault in an accident
    • You’ve damaged the car you were towing
    • You’ve caused an injury to a passenger in the vehicle
    • You’ve damaged another car vehicle while on the roadway.

You should know that tow truck liability insurance also covers legal fees and court costs if you’re sued for a covered liability claim.

  • Medical payments insurance protects you from the medical costs due to the injuries to your driver and passengers while in your tow truck. This policy is vital for tow truck owners since their business often provides rides for the owners of the vehicles they are towing.
  • Physical damage insurance helps you cover the costs of repairments of your truck, no matter who’s liable for the accident.
  • Comprehensive insurance is the one that protects you from all the perils and disasters, but it doesn’t include collision. Therefore, you’ll be protected from natural disasters, fire, theft, vandalism, and any damage caused by an object.
  • Uninsured/Underinsured motorist insurance will compensate you in case you’re involved in an accident where another driver doesn’t have enough insurance or has no coverage. It will also cover a collision with a hit-and-run driver.
  • Garage service insurance is an optional policy you can choose, and it will cover all the damages done to a vehicle while it is parked or stored in a protected location. Covered losses include fire, theft, vandalism, and collisions.
  • On-hook towing insurance pays for repair or replacement costs if any vehicle you don’t own gets damaged while you’re towing it. The covered damages include collision, theft, vandalism, explosion, and fire.

Calculating your risks and choosing all the coverages that may help you prevent a substantial financial loss that may bring severe consequences to your business is vital. The more coverage you buy, the more protection you get for your vehicles and other business assets. If you need more options, please get in touch with us here.

Related Commercial Vehicle Coverage by H&M Insurance Agency

commercial auto insurance in san diego


This type of coverage is designed for any company that uses vehicles for business purposes. It includes bodily injury liability coverage, medical payments, no-fault or personal injury coverage, uninsured and underinsured motorist coverage, and many more. More Info.

fleet auto insurance in san diego


Fleet insurance policy covers all your vehicles (at least two vehicles) with the most appropriate insurance plan that meets your specific needs and requirements. It provides liability insurance coverage for all of your business’s vehicles in one policy. More Info.

commercial truck insurance san diego


Any commercial transportation company with one truck or more, independent drivers, and any company with transportation-related activity must have commercial truck insurance. More Info.

Protect Your Towing Business with the Best Commercial Tow Truck Insurance in California

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