Protect your tow truck business with reliable tow truck insurance. Get essential coverage for your vehicles, cargo, and team. Get a free quote today and stay safe on the road!
Truck Insurance — Comprehensive and Third Party, Trailer (Owned and Non-Owned), Downtime Cover, Marine Carriers, Public Liability.
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This page explains tow truck insurance, covering essential protections like liability, physical damage, and specialized coverages for towing operations. It highlights the importance of this insurance for tow truck businesses and offers information on how to secure a quote.
Running a tow truck business is tough work, and you face unique risks every day. From recovering broken-down cars to impounding vehicles, you need strong protection. Tow truck insurance isn't just a good idea – it's crucial for keeping your business safe and sound. We're here to help you understand what it is and why you need it, in simple terms.
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We can provide different levels of cover for transport operators
Questions about Tow Truck Insurance and General Enquiries
On-Hook Towing Coverage is a special protection for the vehicle you are actively towing. If that car gets damaged while it's hooked to your tow truck – for example, in an accident or from dropping it – this coverage helps pay for the repairs.
Yes, almost all states and local governments require tow truck operators to carry specific types and amounts of insurance to operate legally. Clients, like auto clubs or police departments, also demand it for contracts. It's not just a recommendation; it's a must-have.
The cost varies a lot because it depends on factors like your location, the type of towing you do, the value of your trucks, your driving record, and the coverage limits you choose. It's best to get a personalized quote to find out exactly what you'll pay.
Truck insurance typically consists of liability coverage, cargo coverage, comprehensive coverage, and personal accident insurance. We can tailor options to suit you.
A few factors that can affect your premium include the type of vehicle you drive, your driving record, the type and amount of coverage you choose, and the amount of your excess also known as a deductible.
You can lower your truck insurance premium by increasing your excess, shopping around for the best rate by using us as your insurance broker (we do the work for you!), and maintaining a good driving record.
In the event of an accident or claim, you should contact your us or your insurer right away.
Yes, if you need full comprehensive coverage on the trailer you will need to list the trailer on your policy. Some policies will include some default coverage up to a certain limit (usually $50,000 to 100,000) but this is usually for a liability aspect only.
Yes, comprehensive truck insurance policies provide coverage for theft and fire.
Generally speaking, you will need to take out dangerous goods liability coverage for protection. These limits can range so it's important you talk to us.
It's important to note though that some policies will have radius limits on them depending what you declared when setting up the policy. If you go outside of this radius limit there may be extra excesses applicable or issues in a claim.
Shielded uses quite a few when we quote and compare. These include Zurich, NTI, HMIA, Penn, Global Transport (GT), ATL, CGU, Vero, Hollard, Allianz, and QBE. Keep in mind we're not limited to these insurers, others do exist. It all comes down to what type of truck it is and what the purpose the truck will be used for.
