Towing Insurance

Specialty business insurance solutions for towing and repo companies and tow trucks
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Don't get towed away by financial risks: secure your towing business today with insurance tailored to your unique needs.

Towing businesses come in all shapes and sizes, and XINSURANCE recognizes that. Our tailored towing insurance solutions give you the flexibility and protection to keep your business moving forward.

What is Towing Insurance and Why You Should Have it

Towing insurance is a specialized type of insurance coverage designed specifically for businesses in the towing industry. It provides financial protection against various risks and liabilities associated with operating tow trucks or providing towing and repo services.

In summary, towing liability insurance is essential for towing business owners to protect their finances, comply with legal requirements, maintain a positive reputation, and ensure comprehensive coverage in the event of accidents, incidents, claims, or lawsuits. It provides peace of mind while safeguarding your business’s financial stability and future success.

Don’t settle for cheap insurance that leaves you exposed to risks. XINSURANCE offers customized insurance solutions tailored to your needs, and we act as your insurance partner to be there by your side when things go wrong.

Towing Business Insurance: Who We Can Help

  • Towing Companies
  • Repossession Companies
  • Impound Lots
  • Roadside Services
  • Auto Salvage Yards
  • Recovery Services
  • Police Rotations
  • Tow Truck Drivers
  • And More
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Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Garage Keepers Direct Primary (GKDP)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control – without regard to being legally liable.

Garage Keepers Legal Liability (GKLL)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control.

Wrongful Repossession Liability

Provides coverage for damages and claims resulting from improper or unauthorized vehicle repossessions, offering protection to the insured party against legal consequences and associated costs.

On-Hook / Cargo

Provides coverage for damage caused to a vehicle being towed or transported on a tow truck or flatbed truck.

Drive Away Coverage

This coverage provides liability protection when you are driving a customer’s vehicle.

Alleged Assault and Battery Liability

Coverage for claims against you or an employee, such as a tow truck driver, regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or an employee, such as a tow truck driver, regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal you own, such as a guard dog at the tow yard or impound lot. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Towing Insurance and Tow Truck Insurance

What does towing business insurance cover?

Our towing business insurance solutions typically provide liability coverage for property damage or bodily injury caused during towing operations, on-hook coverage for damages to the vehicles being towed, coverage for the towing vehicles themselves, and comprehensive coverage for other risks like theft or alleged assault and battery liability.

How much does towing insurance cost?

The cost of towing insurance depends on various factors, including the size of the towing operation, the number of years in business, the number of vehicles being insured, the location, claims history, the desired coverage limits, and more. It’s best to contact us to get an accurate quote tailored to the specific needs of your business or operations.

What's the difference between commercial auto insurance and towing insurance?

Commercial auto insurance covers the vehicles used for business purposes while towing insurance specifically provides coverage for businesses engaged in towing operations. Towing insurance policies usually include additional coverages, like on-hook coverage and wrongful repossession, which may not be included in a standard commercial auto insurance policy.

Tow truck insurance: what types of tow trucks do you cover?

We can provide tow truck insurance solutions for any type of tow truck you operate with, including:

  • Flatbed tow trucks
  • Hook and chain tow trucks
  • Wheel lift tow trucks
  • Integrated tow trucks
  • Boom tow trucks
  • Heavy-duty tow trucks
  • And more

Insurance for Repossession Companies

Repossession companies can operate differently than a towing company. A repossession company specializes in repossessing vehicles on behalf of a lender or creditor. They locate, secure, and retrieve vehicles based on the instructions and legal rights provided by the lender or creditor.

Meanwhile, a towing company offers a broad range of towing services, including but not limited to relocating disabled or illegally parked vehicles, transporting vehicles that have been involved in accidents, and assisting with roadside breakdowns.

XINSURANCE proudly offers customized insurance solutions to repossession companies and repo services.

Does XINSURANCE fight towing-related claims?

Even if you follow various towing risk management tips, accidents can still occur. XINSURANCE will stand by your side when things go wrong.

We have decades of experience investigating and documenting claims, with extraordinary claims knowledge of state, local, and federal legislation. We boast a nationwide network of adjusters, inspectors, other legal professionals, and in-house legal experts who work with the insured and producers to establish a claim and go through the process.

As an example, see our recent win in the towing industry:

Colorado – Alonozo V. Reliant Towing & Recovery

The plaintiff alleged that defendant’s employees breached the peace while they were attempting to repossess her vehicle. The plaintiff claimed that on December 10, 2019, Reliant’s employees knocked on her door to initiate repossession efforts, but she did not answer. Plaintiff claimed in retaliation for not answering when they knocked, Reliant’s employees tried to break into her home and garage, threw rocks, etc. Reliant denied that any of these things happened. Plaintiff filed suit seeking damages for defendant’s alleged violation of the Colorado Fair Debt Collection Practices Act, extreme and outrageous conduct, and invasion of privacy by intrusion. Plaintiff sought damages in excess of $100,000 for emotional distress, punitive damages and attorney’s fees. At the close of evidence during the two day jury trial, Reliant moved for a directed verdict on all of plaintiff’s claims, arguing there was no credible evidence that Reliant’s employees exhibited extreme or outrageous conduct and that there was no evidence of any kind of emotional distress suffered by plaintiff. The trial judge agreed and granted Reliant’s motion for directed verdict on all counts, entering a judgment in favor of the defendant and against the plaintiff, and dismissing the lawsuit, with prejudice. Alonzo v. The Marquesan Cross, LLC d/b/a Reliant Towing & Recovery; 2020 CV 30671

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Testimonial with Westbrook Towing

Westbrook Towing is a first respondent, emergency roadside towing company. XINSURANCE has been their partner to help them keep their doors open. This is their story…

We help businesses get the coverage you need. Get started and request a quote today.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service