Florida Tow Truck Insurance2025-04-03T06:12:36-04:00

Florida
Tow Truck
Insurance

Florida Tow Truck Insurance

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Save up to 37% with Fearnow Insurance

Do you have a towing business and need affordable tow truck insurance? Tow truck insurance helps financially protect you if one of your trucks gets into an accident or causes property damage. Let’s take a look at what tow truck insurance covers and why it’s a good idea for all towing companies.

Who Needs Tow Truck Insurance

If your business uses, operates or earns money by towing disabled vehicles, you need towing insurance. Types of businesses that need tow insurance policies include companies that provide roadside assistance, contractors for auto clubs, auto body and mechanics’ shops, full-service gas stations that also have repair shops and companies that perform auto salvage and transport vehicles to auctions.

What Our Customers Say

Joseph and Kayla went above and beyond to find the best rates for home and auto insurance. They stayed in constant communication and made the process very easy. 10/10 recommend Fearnow insurance!
Steven
22:32 11 Sep 25
Helped me find good policies in my budget.Madrianne was very helpful,kind and so easy to work with.... She is GREAT !!
Eric Hopkins
14:49 09 Sep 25
Jean Rodriguez with Fearnow Insurance has been such a blessing for Catholic Youth Soccer, Inc. Since we became a federally recognized nonprofit, she has been fully committed to making sure we are properly protected. Jean’s customer service is amazing—she is attentive, knowledgeable, and always goes the extra mile.Thanks to Jean’s support, CYS has the peace of mind to focus on serving families in our community through faith-based youth soccer. I highly recommend Jean and Fearnow Insurance!CYS is a huge fan of Jean's!!!!!!!
Patrick Poland
20:49 05 Sep 25
Jean Rodriguez, went above and beyond to help me out with my policy . I have a health situation, and she resolved the issue. I appreciate the fact that she kept me informed, and cares about her Clients. Thank you!
Manuel Campoamor III
20:48 05 Sep 25
Lydia in auto and Joe in Life insurance are fantastic ! Excellent customer service , quick responses to inquiries, above and beyond enthusiasm and attention to detail. Highly recommend this Insurance agency.
Grace Rhymes
17:36 04 Sep 25
Joseph was great to work with. He was knowledgeable, communicative, and answered all my questions! He also saved me and my family hundreds of dollars while still keeping great insurance on two vehicles. Good bye Geico! Thank you Fearnow team!
Lorenzo Laporte
21:46 03 Sep 25
I had a great pleasure to work with Joe. Answered to all my questions (I had a lot) and found the best price for my home insurance. Would recommend to check these guys when you are renewing your policy
Andy S
20:34 03 Sep 25
Mr. Joseph was very professional and knows what he is doing.He is very knowledgeable about the needs of the customers and takes time to explain for your understanding.He is very quick in responding to emails and questions.Thank you for your assistance.
Daniel Otu-Jireh
18:38 01 Sep 25
Love dealing with Fearnow, they take care of all my insurance needs. Thank you Joe!
Garrett Norris
18:08 29 Aug 25
I would give our agent, Jean Rodriguez at 5 Stars for sure! She is very knowledgeable about our coverage and always very helpful in answering questions when I have them. She is quick to respond to phone calls and emails! Would highly recommend her for your insurance needs!
Christina Wyant
19:03 28 Aug 25

The Fearnow Agency Advantage

  • We work for you, not the insurance carriers, to ensure your claims are processed efficiently and are paid out quickly.
  • Unlike a single-company agency, we have access to over 100 carriers, so we’re never limited in the services we can provide you.
  • We can save you up to 37% in insurance cost, or get better coverage for the same cost.
  • We always provide full disclosure of plan inclusions and exclusions.
  • We offer customized plans tailored specifically to your needs, instead of forcing you into a pre-packaged solution that won’t really work for you.
  • Our agents are continuously training, so they stay the leading experts in their field.

Types of Insurance Policies Available to Towing Companies

If you operate a towing company, you’ll need several types of insurance policies to be fully covered in the event of an accident or incident. These policies typically include:

  • Garage Keepers Legal LiabilityGarage keepers insurance helps protect you if one of your client’s cars gets damaged or stolen while they are located on your property.
  • On-Hook Insurance – this insurance financially protects your business if a car you are towing gets damaged while it’s hooked to your tow truck.
  • Liability Insurance – Liability insurance includes provisions for both bodily injury and property damage. If you get into an accident that causes harm to someone else or their property, this insurance helps pay the expenses.
  • Medical Payments – Helps pay the medical bills for anyone in your truck that gets injured during an accident.
  • Collision – Helps pay for the repairs or the replacement of your vehicle, regardless of who is at fault.
  • Comprehensive – Helps pay for damage to your vehicles that did not occur while the vehicle was in use. This typically covers certain types of weather damage, fire, theft and vandalism.
  • Fire and Theft – If you operate heavy vehicles, you may want an additional fire and theft insurance policy. These policies help pay for damage that is caused by certain weather events, like high winds, hail, lightning, flooding and earthquakes. They also typically cover deliberate acts of vandalism or mischief and damage that occurs while your vehicles are being transported by another vehicle.
  • Uninsured and Underinsured – Helps pay for damage to your vehicle if the other driver is uninsured or underinsured.

Local & Family Owned

Offices serving the local Tampa, FL and Wilson, NC areas for almost 30 years!

Competitive pricing nationally with world-class customer service!

Tow Truck Insurance Minimums in Florida

If you operate a towing company or any commercial trucking service, Florida mandates that you carry certain insurance policies. The first type of insurance you must carry is liability. The minimums for Florida are typically indicated in a dollar amount for a Combined Single Limit, which means that a single dollar amount is issued for an approved claim that covers all of the financial costs for the accident. In most cases, this means a single dollar amount for personal injury and property damage.

  • Less than 35,000 Pounds – $50,000 Combined Single Limit
  • 35,000 to 39,999 Pounds – $100,000 Combined Single Limit
  • 40,000 Pounds or More – $300,000 Combined Single Limit

Insurance for Towing and Storage

In addition to liability and property damage coverage, tow truck companies must also have valid insurance policies for their towing and storage operations.

  • Garage Keepers Insurance – $50,000 per loss
  • Garage Liability – $300,000 Combined Single Limit
  • On-Hook Insurance – $50,000

What Happens if You Don’t Have Insurance for Your Tow Trucks?

If you don’t get insurance for your tow truck company or commercial trucking company, you could face fines and criminal charges that apply to both the owner of the truck and the driver of the truck. In order to avoid these fines, charges, and penalties, it’s best to get the required amount of insurance and keep those policies valid.

Should You Just Get the Minimum Amount of Insurance?

It’s important to note that the minimum insurance requirements for commercial truck drivers and owners, including towing companies, is simply the minimum amount of coverage you need to be legal. The minimum amounts may not actually cover all the costs involved in getting into an accident or incident that damages one of your trucks or a vehicle you are towing.

For example, if you find that you are regularly towing cars worth $75,000, your $50,000 on-hook insurance policy may not be enough to cover the costs of repairing or replacing the more expensive vehicle if it were to get damaged or destroyed while being transported by one of your tow trucks. In this scenario, your minimum coverage policy would max out, possibly leaving you with thousands more to pay from your company’s operating budget. If you find yourself in this scenario, it’s best to increase your coverage limits before you get into an accident.

Tow Truck Insurance Policies from Fearnow

If you need commercial vehicle insurance for your tow truck company, we can help you at Fearnow in Florida. We have policies for all types of commercial vehicles, including tow trucks, semis, dump trucks, and box trucks. We also offer policies for limousine services, rental car companies, and taxis.

To learn more about our commercial auto insurance policies as well as other types of insurance that you may need for your business, give us a call at 813-689-8878.

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