Tow Truck Insurance

Tow truck driver insurance in Florida protects truckers from liability if they're involved in an accident while conducting multiple types of work:

• Accident recovery
• Repossession work
• Roadside assistance
• Transporting disabled vehicles

You offer an essential service that keeps Florida's roads and highways safe, but accidents can and do happen at the worst time.

Our Florida tow truck insurance policies are designed to limit your liability and risks with standard and additional coverage options.

Our agents will help you create an insurance policy that fits your needs and budget. We do this by breaking insurance into two main sections:

• Standard: Which is the insurance you need to operate a tow truck in Florida.
• Additional: Added insurance coverage to fill in the gaps in your policy.

We include the following protection in our standard policies:

Liability Insurance

Tow truck drivers have a dangerous job that keeps them open to serious liability claims. Our liability insurance provides robust coverage for:

• Injuries
• Property damage

If you're found to be at fault in an accident, liability insurance provides extensive bodily injury and property damage coverage. We'll discuss policy limits with you to provide the maximum coverage you need with an affordable deductible.

Medical Payments

Ambulance rides, doctor visits, hospital stays and all other medical payments are covered in the event of an accident. You and any passengers in your vehicle at the time of the accident will receive medical payments up to the policy's limit.

Uninsured Motorist Coverage

You can do everything right and still be in an accident that leaves you open to liability. Uninsured motorists, or underinsured motorists, both put your life at risk. If you're in an accident with someone who is uninsured or underinsured, this coverage will fill in the gap.

Physical Damage

Tow truck accidents cause significant damage - to you and others. Property damage, also known as collision or comprehensive coverage, protects you from property losses (i.e. your truck, personal belongings and so on) in the event of an:

• Accident
• Fire
• Natural disaster
• Theft

Standard coverage protects against a wide range of risks. But tow truck operators face unique risks that require additional, specialized coverage.

These coverage options protect customer vehicles when towing or storing them:

Garagekeepers Legal Liability

Although this coverage is optional, most tow truck operators consider it essential. It provides vital protection for a customer's vehicle when it's kept at a covered location for parking, storing or service.

Typically, this insurance covers damage caused by:

• Fire
• Theft
• Vandalism
• Collision

Let's say that you tow a broken-down vehicle in the middle of the night. The local mechanic is closed, so you decide to store the vehicle in your shop overnight. If criminals break into the garage and vandalize the customer's vehicle, garagekeepers legal liability will help cover the cost of repairs.

Garagekeepers legal liability is a valuable policy to have, but in most cases, you'll also need to purchase the following coverage along with it.

On-Hook Towing

Like garagekeepers legal liability, on-hook towing is considered an essential piece of coverage for tow truck drivers.

It covers the cost of repairs or replacement if a customer's vehicle is damaged while towing or hauling.

Covered perils typically include:

• Collision
• Fire
• Explosion
• Theft
• Vandalism

Let's say that you're towing a customer's vehicle to the repair shop. As you leave the gas station, another vehicle collides with the vehicle you're towing, causing serious damage.

An on-hook towing policy will help cover the cost of repairs to the vehicle.

There is always a risk that a customer's vehicle will be damaged while towing or hauling it. Without this essential coverage, you may put your business at risk.

Owning and operating a tow truck is an investment. Every day, you face risks that put your future business at risk. Insurance helps protect you from those risks.

But finding the right coverage isn't always simple.

That's where our experienced Florida insurance agents come in.

We:

• Help you navigate coverage options, deductibles and limits to ensure your policy gives you the protection you need.
• Ensure your plan meets Florida's insurance requirements for tow trucks.
• Help you find the best rates without compromising on coverage.

Contact us today to get a free quote on your Florida tow truck insurance.