Tow Truck & Towing Contractor Insurance

Tow truck operations involve unique risks — not just to your vehicle and staff, but also to customer property, vehicles in transit, and roadside safety. Standard business policies don’t cover the exposures that come with operating in breakdown zones, accident scenes, or under government towing regulations.

Tow Truck Insurance is built for licensed operators working in both private and statutory towing. Whether you’re on call for accident response or towing heavy machinery across the state, we make sure your business is protected with the right policies.

The most common policies include:

Public Liability Insurance

Protects you if your work causes injury to a third party or damage to their property. This could include:

• A customer or pedestrian injured during a vehicle pickup
• Damage to private or public property while loading or unloading
• Legal costs from disputes involving accident scenes or site access

Public Liability is often required by councils, insurers, and fleet clients — and we’ll ensure yours includes the right extensions for roadside and accident zone work.

Commercial Motor Insurance

Your truck is your livelihood. We arrange comprehensive motor insurance that covers:

• Accidents and collisions
• Theft or vandalism
• Damage while towing customer vehicles
• Windscreen and glass repairs
• Downtime cover or hire vehicle options (where available)

Whether it’s a tilt tray, wheel-lift, or heavy-duty underlift — we’ll help you insure it correctly.