Get a quoteGet a quoteCasey places commercial insurance for towing and recovery operations — wrecker, rollback, rotator, heavy-duty, and repossession. We know the on-hook cargo limits, the garagekeepers legal liability forms, and which carriers write police-rotation and repo with appropriate endorsements.
Send your DOT and a few details. A broker will reach out within 1 business hour.
Casey places commercial insurance for towing and recovery operations — wrecker, rollback, rotator, heavy-duty, and repossession. We know the on-hook cargo limits, the garagekeepers legal liability forms, and which carriers write police-rotation and repo with appropriate endorsements.
Overview
Towing is its own commercial auto class with two coverages most operators don’t see elsewhere: on-hook cargo (the customer’s vehicle while it’s on your hook) and garagekeepers legal liability (the customer’s vehicle while it’s in your yard). Both are required by most municipal contracts, most repo contracts, and any AAA/club affiliation.
The other variable is what kind of towing you do. Wrecker, rollback, rotator, heavy-duty, repossession, and police rotation each get rated differently. The right policy structure depends on the mix. We write to the actual exposure, not a default towing template.
“On-hook and GKLL are not the same coverage. Most towing policies need both — your contracts probably require both.”
Coverage you’ll typically need
Towing policies have unique cargo and garage liability needs on top of the standard for-hire coverages.
Why towing has its own market
Towing decline reasons cluster around contract type, recovery operations, and yard claim history.
Repossession work
Repo carries higher claim frequency (collision, property damage, occasional altercations) and has a narrower carrier panel.
Police rotation contracts
Police-rotation work has time-pressure and exposure characteristics that some carriers won’t write. Required additional insured endorsement matters.
Prior GKLL claims
Yard theft, hail damage, and storage-yard slip-and-fall claims tighten the panel quickly.
Heavy-duty rotators
Rotators and heavy wreckers are high-value equipment and require stated-value physical damage with detailed equipment scheduling.
New ventures under 12 months
Standard markets often want 12 months. A small panel writes new authority towing at rated-up pricing.
Driver wreck history
Major MVR violations matter heavily because of the operational characteristics — high-speed response, recovery scene work.
What drives your premium
Towing premiums depend on contract mix (police rotation, AAA, repo, light vs. heavy), yard exposure, and equipment value.
Quote in 24–48 hours
Towing submissions need a bit more detail on yard exposure and contract type than standard for-hire.
Federal & state compliance
Towing operators fall under FMCSA when crossing state lines with vehicles over 10,001 lbs. State towing regulators add separate licensing and bonding requirements.
FMCSA jurisdiction. Towing vehicles over 10,001 lbs GVWR crossing state lines trigger FMCSA — DOT/MC numbers, MCS-90, HOS, and DVIR. Most heavy-duty wreckers do; light-duty rollbacks staying intrastate often don’t.
State towing licensing. Most states require specific towing licensure beyond commercial auto. Some states (CA, NY, TX) layer in non-consensual towing rules and bonding requirements.
Police rotation / non-consensual. Police-rotation contracts typically require additional insured endorsement naming the municipality, primary/non-contributory language, and bond requirements that vary by jurisdiction.
Common questions