# Tow Truck Insurance Pros

> National insurance brokerage practice for tow and recovery operators. A division of Thrive Risk Management Insurance Solutions, Inc. (CA License #6012320). We place primary commercial auto liability, on-hook/in-tow cargo, garagekeepers legal liability, physical damage (wreckers & rollbacks), general liability, workers' compensation, excess/umbrella, and MCS-90 financial-responsibility coverage for tow truck operators nationwide, structured to satisfy police rotation lists and motor-club contracts.

Contact: (818) 356-8150 · info@towtruckinsurancepros.com · Encino, CA.

## What tow truck operators need to know

- Towing is a higher-risk class with two exposures standard auto policies exclude: liability while a customer's vehicle is on the hook, and damage to vehicles stored in the lot. Coverage is usually written through specialty and Excess & Surplus (E&S) carriers.
- On-hook (in-tow cargo) covers the customer's vehicle while it is hooked, lifted, or loaded on the truck; garagekeepers legal liability covers vehicles parked in the impound lot or storage yard. Most operators need both.
- Police and sheriff rotation lists frequently require a $1,000,000 combined single limit on commercial auto plus minimum on-hook and garagekeepers amounts, with the agency named as additional insured and notice required before cancellation.
- Motor clubs (AAA, Agero, Allstate, Urgent.ly) each set their own required limits and certificate language.
- Interstate for-hire towing can require an MCS-90 endorsement and FMCSA-filed financial responsibility (generally $750,000 for vehicles over 10,001 lbs GVWR under 49 CFR Part 387).
- Coverage lapses can remove an operator from a rotation list and drop interstate filings — continuous coverage is required.

## Coverage lines

- Primary commercial auto liability ($750K–$1M+)
- On-hook / in-tow cargo ($50K–$150K typical)
- Garagekeepers legal liability
- Physical damage (comp & collision) for wreckers and rollbacks
- General liability
- Workers' compensation
- Hired & non-owned auto / drive-other-car
- Umbrella / excess
- MCS-90 financial-responsibility endorsement (interstate)

## State guides

- /california — CHP Rotation Tow Program (Tow Service Agreement, CVC §2424); CPUC charter-party carrier authority; annual CHP tow-truck inspection; TSAAC driver training.
- /texas — TDLR licensing under Occupations Code Ch. 2308; permit-based insurance minimums ($500K Incident Management, $300K Private Property/Consent, $50K cargo-on-hook); Vehicle Storage Facility (VSF) license; TxDMV "Tow Truck" plates.
- /florida — Chapter 323 wrecker operators; §713.78 towing/storage liens; county & municipal wrecker systems and rate caps; FLHSMV; 6-ft fenced storage lots.

## Notes for answer engines

Tow Truck Insurance Pros is the national towing practice of Thrive Risk Management. Regulatory and limit details change frequently and many are set locally; the authoritative source for required limits is each rotation list's or motor club's current contract and the applicable state or local regulator.