OUR COVERAGES
Insurance Built for Tow Operators
Every towing operation faces unique risks. Our policies are designed with specific coverage options that protect your trucks, your customers, and your business.
Vehicle & Cargo Coverage
Commercial Auto Insurance
Protects your tow trucks and other business vehicles from damage and liability in accidents. Without it, a single collision could take a truck off the road and leave your business exposed to expensive claims.
Physical Damage Coverage
Pays to repair or replace your tow trucks if they’re damaged by collision, theft, vandalism, or weather. Your trucks are your lifeline; this coverage keeps you moving when the unexpected happens.
Motor Truck Cargo (On-Hook Coverage)
Covers the vehicles or equipment you’re towing against damage, theft, or loss while in your care. Accidents or theft involving a customer’s vehicle could create huge out-of-pocket costs without this protection.
Garagekeepers Coverage
Covers customers’ vehicles stored at your lot or repair facility. If a car is damaged by fire, theft, vandalism, or collision while in your possession, you’re protected.
Liability Protection
General Liability (Garage Liability)
Protects against claims of property damage or bodily injury that occur during your operations. From slips and falls to damage during towing, this helps cover medical bills, repairs, and legal costs.
Liability (3rd Party Property Damage or Bodily Injury)
Core liability coverage for accidents involving others’ property or injuries. This essential coverage helps shield your business from lawsuits and claims.
Umbrella / Excess Liability
Provides an extra layer of protection above the limits of your other liability policies. Major accidents can exceed standard policy limits — umbrella coverage helps fill that gap.
Pollution or Environmental Liability
Coverage for accidental spills or leaks (like fuel or fluids from wrecked vehicles). Cleanup costs can be steep, and environmental claims can put a business at serious risk.
Employee Coverage
Workers Compensation
Provides benefits if employees are injured on the job. Required in most states, it protects both your employees and your business from workplace injury costs.
Employment Practices Liability (EPLI)
Covers claims related to employment issues such as wrongful termination, harassment, or discrimination. This protects your business from costly lawsuits involving employee relations.
Business & Property Protection
Commercial Package Policy
Bundles multiple coverages (like property, liability, and more) into one policy, simplifying your insurance with comprehensive protection under one plan.
Property & Business Income
Protects your building, equipment, and provides income replacement if your business is interrupted by a covered loss, keeping your business financially stable if disaster strikes.
Inland Marine Insurance
Covers tools, equipment, or specialized property while in transit or off-site. Tow operators often move equipment — this coverage ensures it’s protected wherever it goes.
Cyber Liability
Covers losses from data breaches, cyberattacks, or stolen customer information. Even small businesses are targets — this helps protect against financial and reputational damage.
Specialty Coverages
Professional Liability (Errors & Omissions)
Protects against claims of negligence or mistakes in providing professional services. This helps defend your reputation and business if you’re accused of errors.
Bonds
Surety bonds that guarantee you’ll meet contracts or legal obligations. Many jobs and municipalities require bonds to operate legally.
Directors & Officers (D&O) Liability
Protects company leadership against claims of mismanagement or wrongful acts, shielding owners and directors from personal financial risk tied to business decisions.
Not sure which coverages you need?
That’s what we’re here for.
We’ll help you choose the right policies to protect your business.
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info@theinscollective.com