Tow Truck
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Legal liability coverage – Provides coverage for towed autos, watercraft, and other towed property while they’re in the insured’s care, custody and control – from the moment they accept it unitl they deliver it. We also cover towed vehicle contents, inaddition to transmission / transaxle damage to towed autos.
Coverage is provided on a comprehensive and collision basis, with limits up to $100,000.
Garagekeepers Legal Liability Coverage – provides coverage when the towed vehicle is on a covered lot, its drive, or an access road. It also provides protection during test drives. Additionally, coverage is provided on a comprehensive and collision basis, with limits up to $100,000 available on FAO.
Exclusive Coverages for Tow Specialist Agencies
Towing Services General Liability Coverage
Available for towing services risks only, Tow GL provides liability protection for injuries or property damage sustained whil on premises or while using products or performing services. It provides coverage for personal and advertising injury, in addition to products and completed operations coverage.
On-hook Direct Excess Coverage
this coverage provides physical damage coverage for towed autos and property in the insured’s custody and control. Coverage is provided for transmission / transaxle damage. coverage is provided without regard to the insured’s legal liability for loss to the towed auto and is excess over any other collectible insuance.
On-hook Direct Primary Coverage
Provides physical damage coverage for towed autos and proverty in the insured’s custody and control. Coverage is provided for transmission / transaxle damage. Coverage is provided without regard to the insured’s legal liability for loss to the towed auto and is primary.
Garagekeepers Direct Excess Coverage
Provides physical damage coverage in the event of a loss to an insured’s customer’s vehicle left in the care, custody and control of the insured while at a coverage location or in transit between covered location. A covered location must be listed on the policy. The coverage is provided without regard to hte insured’s legal liability for loss to the towed auto and is excess over any other collectible insurance.
Garagekeepers Direct Primary Coverage
Provides Physical Damage coverage in the event of a loss to an insured’s customer’s vehicle left in the care, custody and control of the insured while at a coverage location or in transit between covered locations. A covered location must be listed on the policy. The coverage is provided without regard to the insured’s legal liability for loss to the towed auto and is primary.
Discounts
- Paid in Full Discount – Businesses that pay their premium in full will save up to 15 percent.
- Commercial Driver’s License Discount – We will apply a discount of up to 20 percent if all drivers on the policy have maintained their CDL for more than two years.
- Package Discount – Create a custom package by writing a risk’s Tow policy with us. We’ll apply a discount of up to 15 percent if they already have an in force GL, BOP, or Garage Liability policy with another carrier.
- Business Experience Discount – Available on new business for risks that have been in business for three or more years, this discount is five percent for policies with proof of prior insurance.
