Tow truck owners are faced with some of the same issues as owners of other commercial vehicles, as well as some unique risks. Burns & Whitaker Insurance
understands these risks and can provide you with insurance policies that include several different coverage options. With these options, you can customize your policy to fit your business' needs.
Liability insurance is the most common and legally required type
of tow truck coverage, and should include the following:
If an accident is caused by you or your drivers, this coverage can help pay for costs related to injuries suffered by others in the accident.
This coverage will help pay for the repair or replacement of the other party's property that was damaged if you or your employees cause an accident while driving your tow truck.
This coverage will help with costs related to the repair or replacement of your tow truck if it is damaged in a crash.
If your tow truck is damaged in a wide variety of non-collision incidents (including fire and severe weather), this coverage will help with repairs and replacement of your tow truck.
If you are hit by a driver who has either no insurance coverage at all, or coverage with limits that are inadequate to cover your damages and/or injuries, this will help you cover the cost(s) incurred by the accident.
Towing insurance will pay to repair or replace a vehicle you don't own if it is
damaged by a collision, fire, theft, explosion or vandalism while you are
towing or hauling. All businesses that
offer towing services need On-Hook Towing insurance to protect them while
they're hauling vehicles owned by a customer or someone else.
Garage keepers Legal
Liability coverage is an optional coverage designed for business owners who
offer towing services or operate service stations. It protects a customer's
vehicle when you are keeping it at a covered location for parking or storing,
or to perform service. Garage keepers
Legal Liability insurance provides protection in case a vehicle is damaged by
fire, theft, vandalism or collision.
The amount of compensation you will receive when you file an insurance claim will depend on the amount of coverage you buy. Let Burns & Whitaker help you evaluate your liability risks and the amount of coverage you need to protect your towing vehicles and your assets.