- 625 S 4th St, Renton, WA 98057
- info@dokagency.com
- +1 425-242-5252
Tow Truck Insurance
Specialized Tow Truck Insurance You Can Trust
Our Tow Truck Insurance Insurance Partners
This page is for Tow Truck Companies, Large and Small
Need a Different Trucking Insurance Option?
Choose the situation that best fits your operation:
Letâs work togetherâ
Get in touch today and receive a complimentary consultation or instant quote
Why Towing Companies Choose DOK Insurance
| DOK INSURANCE | OTHER AGENCIES | |
|---|---|---|
| Instant Quoting | Yes | ? |
| Access to multiple carriers | Yes | ? |
| Live Operators (chat, phone and SMS) | Yes | ? |
| Extended Business hours | Yes (8 am to 12 am EST) | ? |
| Self-Service COIs | Yes | ? |
| Dedicated Tow Truck Team | Yes | ? |
| Fleet Quoting Available | Yes | ? |
| Multi-State Operation | Yes | ? |
| Experience with High-Risk or Lapsed Operators | Yes | ? |
| On-Hook and Garagekeepers Expertise | Yes | ? |
How Insurance Companies Determine Your Rate
The table below provides a general idea of how an insurance company might calculate your rates. These estimates assume a 35-year-old driver operating a 2024 Ram 5500 in a city with average risk.
The monthly premiums shown refer to truck auto liability coverage of $1,00,000.
| Factors | Importance | Lower Rate Factor | Higher Rate Factor |
|---|---|---|---|
| Your Age | High | 35 Years Old: $809/mo | 25 Years Old: $2,008/mo |
| Your Credit Score | Depends on insurance company | Excellent credit: $640/mo | Worst Credit: $1,450/mo |
| Your Location | High | Yakima, WA: $680/mo | Houston, TX $2,480/mo |
| Your truck value | Medium | $20k truck: $300 per month for comp/collision | $100k truck: $516/mo |
| Your driving history | High | Clean Record: $1,090/mo | One Minor Violation: $1,480 | One Major Violation: $1,908 |
| Your marital status | Low | Not a factor | |
| Distance Traveled | Depends | Within 500 miles: $650/mo | Unlimited radius: $1,090/mo |
| Filing Requirements | Low | Filings only cost a few dollars |
Trucking Insurance Coverages Every Towing Company Should Know
Auto Liability Insurance
Required by law. Covers bodily injury and property damage you may cause in an accident while towing or recovering vehicles.
On-Hook Towing Insurance
Protects vehicles in your care while being towed. Covers damage caused by accidents, fire, theft, or vandalism during transport.
Garagekeepers Legal Liability
If you store customer vehicles on your property, this protects against damage from fire, theft, vandalism, or weather events.
Workers' Compensation
Covers medical bills and lost wages if employees are injured on the job. Often required if you employ drivers or dispatchers.
Equipment Insurance
Covers damage or loss of towing equipment like dollies, winches, or chains not permanently attached to the vehicle.
Physical Damage Insurance
Covers your tow truck or rollback if itâs damaged due to collision, theft, fire, or vandalism. Especially important for owned/financed vehicles.
General Liability Insurance
Protects against third-party claims that donât involve driving â like injuries at your lot or damage caused during a vehicle recovery.
Roadside Assistance
Covers costs like emergency towing, battery jump starts, fuel delivery, and more â for your tow truck if it breaks down.
Downtime & Rental Reimbursement
Pays for lost income and rental truck expenses if your tow vehicle is down for covered repairs.
Umbrella Liability
Provides extra coverage above your policy limits â critical for large fleets or police contract requirements.
Tow Truck Insurance FAQs
1.Do I need special insurance to operate a tow truck?
Yes. Tow truck businesses require commercial auto insurance, on-hook coverage, and often garagekeepers liability. We make sure you're compliant and protected.
2.Can you insure both my tow truck and storage lot?
Absolutely. We write property and liability coverage for your impound or storage yard in addition to your trucks.
3.Is on-hook coverage required?
On-hook is crucialâit protects the vehicles you're towing. We tailor this coverage to your operations, including private tows, police rotation, and roadside assistance.
4.What types of tow operations do you insure?
We cover light-, medium-, and heavy-duty tow trucks, recovery vehicles, roadside contractors, and repossession companies. We customize based on what you tow and how far you go.
5.Can I get coverage if Iâve had claims or tickets?
Yes. We work with carriers who accept higher-risk drivers or operations with previous claims. We'll guide you toward the best fit for your history.
6.Can you cover me for police rotation or city contracts?
Yes. We routinely insure towers who handle law enforcement or municipal towing. We'll make sure your liability, signage, and filings meet local requirements.
7.Do I need workers comp for my tow business?
If you have employeesâeven part-timeâworkers comp is typically required by state law. We can quote it alongside your auto and liability package.
8.Is my driver covered if heâs not on the policy?
No. Insurance companies can decline claims involving unlisted drivers. Repeated violations may also trigger cancellation or non-renewal. Always keep us updated on your driver list.
9.Can I switch to DOK from another agent mid-policy?
Absolutely. Weâll handle the paperwork to transfer or rewrite your policy at the best time. You donât need to wait until renewal to upgrade your service.
10.Can I issue COIs anytime?
Yes. DOK clients have access to a 24/7 certificate of insurance (COI) portal. You can issue, resend, or edit certificates instantly, any time you need.
DOK INSURANCE IS HERE FOR YOU
Personalized Service for Owner-Operators to Flees
100% customer satisfaction guaranteed
Fast Quotes & 24/7 Certificate Issuance
Trusted by Carriers Across North America
HOW DOK CAN HELP
Shop Around for insurance
Whether you’re a single-unit owner-operator or building a multi-truck fleet, weâll design coverage that fits your exact needs â without overspending. As an independent agency, DOK Insurance shops multiple top-rated carriers on your behalf to find the best combination of price, protection, and policy flexibility. We compare options across liability, cargo, physical damage, and more â so you get real value and the peace of mind that comes with expert recommendations, not sales pressure.
Receive Service the Way You Prefer
Clients can reach us on their terms â by email, phone, text, or live chat during our expanded service hours. We also offer 24/7 self-service tools, including a quick and easy Certificate of Insurance (COI) generator, so you can get what you need anytime, without waiting. At DOK Insurance, convenience isnât optional â itâs built in.
FMCSA & DOT Compliance
Weâll help you navigate federal filings, BOC-3, and insurance minimums to stay compliant and on the road. Our customers benefit from the latest regulatory and industry news, updates and potential risks.
Ongoing Support & Risk Management
Our relationship doesnât end once your policy is issued. At DOK Insurance, we provide year-round support to help you stay protected and proactive. Whether you’re facing an upcoming audit, expanding your fleet, or filing a claim, weâre here to guide you through the process with clarity and urgency. We also review your coverage regularly to ensure it still fits your operation â adjusting as your business grows and risks evolve. With us, you’re not just insured â you’re backed by a partner committed to your long-term success.
Expert Guidance from Day One
We answer the questions you didnât even know to ask â because when you’re starting a trucking company, the paperwork and policy choices can feel overwhelming. From permits and filings to choosing the right limits and endorsements, our team walks you through each step without jargon or pressure. We make sure you understand your coverage, your compliance requirements, and your options â so you can make informed decisions with confidence and focus on growing your business.
Ready for a Quote?
Please fill out the form and include as much information as possible. Please upload pictures of all driver’s licenses (front only) and any documents that you think would be helpful.
Once you submit the form, we will shop around for the following for you.
Here is what we need for the most accurate quote:
Driverâs License
A clear photo of the front of your license. You can send it to us via this form, texting it to us at 425-242-5252 or emailing info@doktrucking.com
MC or DOT Number
If already active
Value of your equipment
If you are thinking about adding physical damage (comp/collision), please provide us with the approximate value.Â
VIN Numbers
For each truck and trailer you want to insure. If you don't have those yet, no problem, just provide a year, make, model of equipment you are considering.
Loss Runs Report
Very helpful if you have current/prior coverage
Years of Driving Experience
And years under your own authority
Type of Cargo Hauled
Dry Freight, reefer, flatbed, hazmat, etc.