Tow Truck insurance for fleets
Compare affordable programs from A rated carriers. One application, many markets, licensed in 49 states.
Towing operations carry their own exposure: the vehicles on your hook and in your yard belong to someone else. We place towing fleets with markets that write on hook and garagekeepers coverage.
Coverages tow truck fleets carry
- Primary auto liability
- On hook coverage
- Garagekeepers legal liability
- Physical damage
- General liability
Risks underwriters look at
- Damage to vehicles in your care
- Roadside incident exposure
- Storage yard theft
Tow Truck insurance: benchmarks and filings
Federal liability minimums
| Freight | Minimum |
|---|---|
| General freight (10,001 lbs or more) | $750,000 |
| Oil and certain hazardous materials | $1,000,000 |
| Higher risk hazardous materials | $5,000,000 |
Source: FMCSA, 49 CFR 387.9. Most shippers ask for $1,000,000.
Filings overview
- BMC-91X
- Federal liability filing your insurer sends to the FMCSA for interstate operating authority.
- MCS-90
- Federal endorsement that guarantees payment to the public up to the required liability minimum.
- Form E / Form H
- State filings that evidence liability and cargo coverage for intrastate authority where required.
- BOC-3
- Designation of process agents in every state where you operate. Required for interstate authority.
- UCR
- Annual Unified Carrier Registration fee based on fleet size. Required for most interstate carriers.
What drives your premium
- Light, medium or heavy duty towing
- Police rotation and motor club work
- Radius of operation and the lanes you run
- Driver ages, CDL experience and MVR history
- Three to five years of loss runs
- CSA scores and inspection results
- Years under your current operating authority
Every operation is priced individually. A licensed specialist confirms your real number.
Direct answers
What is on hook coverage for tow trucks?
On hook coverage protects a client's vehicle while it is being towed or transported by your truck, subject to the policy terms and limits.
Do tow companies need garagekeepers coverage?
If you store client vehicles in your yard, garagekeepers coverage helps protect them against covered losses like fire or theft while in your care.
Who is Prestige Trucking Insurance?
Prestige Trucking Insurance is the trade name of Prestige International Insurance Group, Inc., an independent commercial trucking insurance agency headquartered at 7200 W McNab Rd, Tamarac, FL 33321. It is licensed in 49 states, specializes in fleets of three or more trucks and can be reached at (855) 643-3881.
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