Tow Truck Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Tow Truck Insurance For The Towing Industry


If you’re an insurance producer looking to write more business and provide insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write tow truck insurance with confidence. We can also write customized insurance for tow truck drivers!

We can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. In most states, we can cover tow trucks, towing and repossession companies, and tow truck drivers. Whether your client started a new business or is a new driver, or has been in the industry for 20+ years, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best tow truck insurance providers out there. Many tow truck insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

  • Tow Trucks (including flatbed trucks, integrated trucks, hook and chain trucks, and wheel-lift trucks)
  • Towing Companies
  • Repossession Companies
  • Tow Truck Drivers
  • And More!


  • Commercial Auto Liability
  • Commercial Auto Physical Damage
  • New Operators Coverage
  • Contingent Auto Liability
  • Hired & Non-Owned Auto Liability
  • Excess Auto Liability
  • Dealer Plate / Transport Plate Liability

More Information About Tow Truck Insurance

Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Commercial auto and tow truck insurance are our expertise! 

In-House Teams

We have it all – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Tow Truck Insurance Providers and Prime Insurance

Looking for the best tow truck insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

The towing industry is a particularly dangerous one. “Experts estimate a rate of almost 43 deaths per 100,000 workers. For all other industries, that number is only about three. Additionally, AAA says a tow truck driver is killed every 6 days.” It’d be wise to go with a trusted tow truck insurance provider such as Prime to handle claims promptly and professionally with exceptional results!

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient tow truck insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

What Kind of Tow Truck Does Your Client Have?

When your client’s towing company is transporting a third party’s vehicle, they are on the hook for a lot of potential liability. Not only can they be responsible for damage that occurs to a vehicle while it is in their garage for repairs or storage, there is also the potential risk of a physical altercation when a vehicle is being hooked up for towing if your client is involved in repossession. But one of the most common areas for risk is the towing itself: depending on your client’s history, specific business, and towing equipment, having additional on-hook insurance coverage might be an immediate necessity.

Some tow trucks are safer than others. What type of tow truck does your client have?

  • Hook and Chain Tow Truck: This is the stereotypical tow truck that, while becoming a less common choice for towing companies, is still relatively common on the road. Because vehicles are secured with a hook near their front or rear wheels at a single point, there is a high risk for damage to third-party vehicles being towed. This damage can come from an improperly secured hook, meaning that a lot of stress is put on one part of the car, or from other vehicles on the road.
  • Wheel Lift Tow Truck: These trucks are similar to hook and chain trucks, but instead of one central connection point between the tow truck and the vehicle, there are two: one at each of the front or rear wheels. While this mitigates some of the potential damage done along those connection points, this type of truck still leaves the vehicle vulnerable to general road damage.
  • Flatbed Tow Truck: When given the opportunity, most towing companies prefer this type of truck over hook and chain or wheel lift tow trucks because of the safety features, and your insurance company should, too. Flatbed trucks lift the vehicle entirely off the ground and are equipped to safely secure everything from a motorcycle to a large SUV. Because no part of the towed vehicle is touching the road, this truck limits the potential damage that can be done to a towed vehicle. If your client has proof that their employees are proficient in how to load and secure vehicles on flatbeds, this type of tow truck is the lowest risk for coverage.

Depending on the size of your client’s business, they may have a single truck or several of different varieties. Be sure to take into account the specific risks associated with each type of tow truck when considering how much excess liability coverage your client needs.

About Prime Insurance Company

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Writing Commercial Tow Truck Insurance Through An Admitted Carrier

Commercial Auto coverage is available in Florida, Illinois, Kansas, Kentucky, Massachusetts, Nevada, New Jersey, New Mexico, North Carolina, and South Carolina through our admitted carrier, Prime Property & Casualty Insurance Inc. 

Presently, we do not offer any Commercial Auto coverage in New York. Secondary auto such as drive-away or non-owned auto coverage is available in all states.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.