Tow & Wrecker
Tow truck insurance built for wreckers, rollbacks, and impound yards.
On-hook, garagekeepers, auto liability, and lot coverage — from carriers who actually write towing.
Tow operator coverages
- Auto liability
- On-hook coverage
- Garagekeepers (legal / direct primary)
- Physical damage on tow trucks
- General liability
- Workers' compensation
What's on-hook coverage?
On-hook covers damage to a customer's vehicle while you're actively towing it — separate from garagekeepers, which covers vehicles stored at your yard.
Do I need both on-hook and garagekeepers?
Most tow operators do. On-hook protects vehicles under tow; garagekeepers protects them in your custody at the storage lot.
Ready for a real quote from a real person?
Independent agency. Multiple A-rated carriers. Straight answers.