Tow Truck & Wrecker Insurance
Towing operations face a unique combination of risks — on the road, at accident scenes, and at your tow yard. Standard commercial auto insurance isn't enough. Tow truck operators need Coverage that addresses every aspect of their business.
We focus on tow truck insurance and work with carriers who understand the towing industry. Whether you operate a single wrecker or a large fleet with a storage yard, we'll build a program that meets your needs and all state requirements.
Coverage Options
Florida Tow Truck Insurance Requirements
Florida law mandates minimum coverage levels for tow truck operators based on vehicle gross vehicle weight (GVW):
| Vehicle Weight | Min. Liability | On-Hook Min. | Storage Min. |
|---|---|---|---|
| Under 35,000 lbs GVW | $50,000 CSL | $50,000 | N/A |
| 35,000–39,999 lbs GVW | $100,000 CSL | $50,000 | N/A |
| 40,000+ lbs GVW | $300,000 CSL | $50,000 | N/A |
| Tow Yard / Storage | $300,000 CSL | N/A | $50,000 GKLL |
CSL = Combined Single Limit per occurrence. GKLL = Garagekeepers Legal Liability. Requirements are minimums — higher limits are recommended. Source: Florida Statutes.