Tow Trucks · Florida
Tow Truck & Towing Business Insurance in Florida
A tow truck puts someone else's car on your hook, then on your lot. Tow truck insurance covers the truck, the car you tow and the car in your care. We compare multiple A-rated carriers.
What is tow truck insurance in Florida?
Tow truck insurance is a commercial package for businesses that tow, recover and store other people's vehicles. It starts with auto liability on the truck. It adds on-hook coverage for the car you are towing, garagekeepers coverage for cars in your care, and general liability for the business. No single insurance minimum applies to every tow business, but Florida does ask some operators to disclose whether they carry $300,000 of liability and $50,000 of on-hook cargo coverage. Your contracts often set the limits. We compare tow truck insurance across multiple A-rated carriers.
Tow Truck Claims Florida Operators Face
Four jobs that go wrong, and the part of the policy that answers each one.
The situation
A strap lets go while a rollback driver loads a customer's SUV, and the SUV scrapes down the ramp.
What responds
On-hook coverage pays to repair the SUV. Your auto liability pays if it hits something or someone.
The situation
A customer's car is stolen from your fenced lot overnight.
What responds
Garagekeepers coverage pays the car's owner, up to its limit and after the deductible you chose.
The situation
A tow truck backs into a pedestrian while clearing a crash scene.
What responds
Auto liability pays the injured person's medical bills and defends you.
The situation
A hurricane floods your lot and soaks the cars waiting for pickup.
What responds
Garagekeepers pays for the damage it covers. Flood and named-storm terms differ by policy, so read them before the season starts.
On-Hook vs. Garagekeepers Coverage
Tow operators buy both, and they answer different questions: where is the customer's car, and who has it?
On-hook coverage
Covers the customer's vehicle while it is hooked up or loaded on your truck. It pays for a dropped car, a strap that fails or damage on the road. It follows the vehicle wherever your truck goes. Florida law names on-hook cargo insurance in its wrecker disclosure rule (§ 323.002).
Garagekeepers coverage
Covers customers' vehicles while they sit in your care, custody and control, such as your lot, your yard or your shop. It pays for fire, theft, vandalism and storm damage. Body shops buy the same coverage, as our auto body shop insurance page explains.
Florida Rules That Touch Tow Truck Insurance
No single insurance minimum applies to every tow business in Florida. These rules and your contracts do the work.
| What Florida law says | What it means for your business |
|---|---|
| An operator that is not on a county or city wrecker system, and is flagged down at a scene, must disclose in writing whether it carries at least $300,000 of liability and $50,000 of on-hook cargo insurance, with its maximum towing and storage charges (§ 323.002(2)(c)) | This is a disclosure rule, not an insurance mandate. A "no" on the form tells the customer you carry less. The law asks you to say, and it does not tell you what to buy. |
| A county or city may contract with wrecker operators and share calls by zone or by rotation (§ 323.002(1)(c)) | Each system sets its own terms in its contract. Ask for the insurance terms before you apply. |
| The Florida Highway Patrol may run a wrecker operator system, and operators must meet its safety and mechanical standards (§ 321.051) | The statute names no insurance limit. Read the Highway Patrol's rules and your agreement for the terms. |
| Your customers' contracts, such as motor clubs, property managers and fleets | They often name the liability, on-hook and garagekeepers limits you must show, and who must be listed on the policy. |
These are rules that touch your insurance, not legal advice or a quote. Your contracts can ask for more.
Have This Ready for Your Tow Truck Insurance Quote
- Your truck list with year, make, model, VIN, weight and body type, such as wheel lift, rollback or heavy wrecker.
- Your driver list with license numbers and each driver's record.
- The kind of work you do: roadside, rotation calls, repossession, private property or heavy recovery.
- The address of your lot, its fencing and cameras, and the most cars you keep at one time.
- Your claims history, with any loss runs from your current and prior carrier.
Can one agency compare towing insurance companies for you?
Yes. American US Insurance puts several towing insurance companies side by side at once, which a single carrier's agent cannot do. Tow work is a narrow market: carriers look hard at lot security, truck weight and the kind of calls you run, and some decline towing altogether. From our Kendall office we quote commercial tow truck insurance truck by truck and walk you through on-hook and garagekeepers before you pick one, for operators in Miami, Hialeah, Doral, Fort Lauderdale and across Florida.
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Read More →Get a Tow Truck Insurance Quote
Tell us about your trucks, your drivers and the work you take. We compare multiple A-rated carriers on liability, on-hook and garagekeepers, and show you every limit before you decide.
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