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Tow truck insurance is a specialized form of commercial insurance that’s uniquely designed to meet the needs  of tow truck operators. Policies are usually written as package policies that combine multiple coverage’s together, and tow truck operators often can adjust their policy’s exact coverage’s to suit their particular situation.
  • Excavate sites
  • Grade sites
  • Clear land
  • Premise and Operations coverage
  • Products and Completed Operations coverage
  • Personal Injury

What is tow truck insurance?

Tow truck operators are exposed to significant risks, as they’re regularly on roadsides during less-than-ideal conditions. Tow truck insurance won’t stop something from happening, but it may give Massachusetts tow truck operators financial protection if there’s a covered incident.

Tow truck insurance offers specialized commercial insurance to tow truck operators. Policies generally combine multiple coverages, protecting trucks, businesses and operators themselves.

Tow Truck Insurance Massachusetts

What Massachusetts businesses should have towing insurance?

Most businesses that provide towing services within Massachusetts should carry towing insurance. State law generally mandates minimum amounts of coverage, and businesses may purchase more.

For example, the following types of businesses might benefit from the protections that towing insurance provides:

  • Owner-operators of tow trucks
  • Towing businesses with multiple trucks
  • Auto repair shops that have wreckers

Although towing insurance often provides protections that car transport companies need, these companies often have additional coverage needs that make a different commercial insurance policy more suitable for their situation. An insurance agent who knows towing policies well can help transporters find an insurance solution that offers the protection they need.


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    Boston, MA

What coverages are included within tow truck policies?

Depending on their terms and conditions, tow truck policies might offer property, liability and other protections. Some commonly offered coverages include:

  • Physical Damage Coverage, which might cover tow truck damage that results from vehicle accidents
  • Comprehensive Coverage, which might cover tow truck damage that results from other incidents
  • On-Hook Towing Coverage, which might cover damage to vehicles that are being towed
  • Garage Service Coverage, which might cover damage to vehicles that are being stored
  • Tow Truck Liability Coverage, which might cover lawsuits arising from third-party injury or property damage
  • Medical Payments Coverage, which might cover medical costs for injuries sustained during accidents
  • Uninsured and Underinsured Motorist Coverage, which might cover accidents caused by uninsured drivers

Still, other coverages are frequently available if tow truck operators want additional protections.

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Is workers' compensation coverage included within tow truck policies’ lists of coverages?

Workers' compensation is an important coverage that normally protects against job injuries, which is an obvious risk when working on roadsides. Massachusetts businesses that have employee tow truck operators are normally required to purchase this coverage.

Whether workers' compensation is included within a tow truck policy depends on the particular policy, however. The coverage may be purchased within a tow truck policy, or it may be obtained via a separate policy.

Tow Truck Insurance Massachusetts

How much do tow truck policies cost?

Premiums for tow truck policies, but they’re generally much less than what a claim could cost without coverage. Some factors that influence premiums are:

  • Tow trucks’ year, make and model
  • Operators’ recent driving records
  • Region served
  • Location of facility
  • Kinds of vehicles towed

Businesses can find out how much insuring their vehicles will cost by comparing quotes with an independent insurance agent. Independent agents are able to request quotes from different insurance companies, which makes checking both rates and coverages simple.

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How can Massachusetts operators get tow truck insurance?

For help insuring tow trucks that are registered in Massachusetts, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents can help you compare tow truck insurance options from several insurers in the state, and we have the expertise necessary to help you select the best available policy.

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