On hook towing insurance truckWhat Is On Hook Towing Insurance?

On-Hook Towing Insurance is a type of commercial truck insurance that protects vehicles that are being transported by your business. It is often included in a package policy for auto body shops, service stations, and roadside assistance companies.

The coverage is different from cargo insurance, which protects personal items like purses or laptops left inside a towed vehicle from theft and vandalism.

Damage to Vehicles

On Hook Towing Insurance is a specific type of coverage designed for tow truck businesses. It helps to pay for repairs or replacement costs if a client’s vehicle is damaged by fire, collision, explosion, theft, or vandalism while it is in your care and possession. The limit and deductible of this policy can be customized to suit your business. You will need to carefully consider the value of vehicles you typically tow, your drivers’ age and experience, as well as your other business insurance policies before choosing a limit for your on-hook insurance policy.

It’s important to note that on-hook towing coverage does not include damage or theft of personal items, like purses and laptops, left inside towed vehicles. Cargo coverage, a separate policy that should be purchased in addition to on-hook towing insurance, covers these items. Often, on-hook and cargo coverage can be bundled together for more comprehensive protection.

In order to qualify for on-hook towing insurance, you must have earlier acquired other types of business insurance. For instance, you should have general liability insurance, garage keepers insurance (if you own a tow truck and a garage), hired auto physical damage coverage, and employer’s non-ownership liability coverage. You also need to meet certain state requirements for on-hook towing. For example, in some states you must carry a minimum of $750,000 in liability coverage. In addition, your tow truck and trailer must be inspected and in good working condition prior to purchasing on-hook towing coverage. This ensures that you’re getting the right type of coverage for your unique business. For this reason, it’s best to get a quote from several insurers before settling on a policy.


If a client’s vehicle gets damaged while it is in your care, on-hook coverage can help cover the expenses. This type of liability coverage is offered by many trucking insurance companies and can be obtained for towing businesses, trucks that are used on a contract basis and even service stations. It is important to choose a company that specializes in the trucking industry as they will have an understanding of the risks and will be able to offer the best protection.

When choosing a policy, it is essential to select a limit and deductible. The higher the deductible, the lower your premium will be. However, a high deductible could result in paying more out of pocket if any damage occurs to the car that is being towed. It is important to find a balance that is right for your business.

On-hook coverage can also include protection for the tow truck itself as well. This can be extremely beneficial as it protects the tow truck from damage that may occur while it is moving. This type of coverage is typically bundled in with other policies such as cargo insurance. Cargo insurance covers any personal items such as purses and laptops that are left inside a towed vehicle. This type of insurance is generally recommended for all towing businesses and can be paired with on-hook insurance.

In order to obtain on-hook coverage, you must first have a general commercial auto policy. This is often required by the state as a condition of your business license. In addition, you must have a good driving record and a clean safety record. This is important to ensure you are a responsible business that is not putting others at risk.


If a vehicle that you are transporting for your client gets damaged due to collision, fire, theft or vandalism while you have it on the hook (the name for the truck’s attachment to your towing vehicle), this type of insurance will pay for the repairs or replacement. It’s important to note, however, that it doesn’t cover your liability for any third-party claims arising from the incident, which is why you should consider comprehensive coverage as well.

Often, on-hook coverage is confused with cargo insurance. This coverage, on the other hand, protects any personal items like purses and laptops left inside towed vehicles against theft, vandalism and physical damage. You can often bundle on-hook coverage with cargo insurance to create a policy that fits the needs of your business.

Having on-hook insurance is essential for any towing company or individual that hauls other people’s vehicles. It helps to ease concerns from your clients who may be worried about their car getting damaged or stolen while it’s in your care. It’s also a good way to keep your reputation clean as a professional that has your client’s best interests at heart. So if you’re ready to take advantage of all that on-hook coverage has to offer, contact us today to learn more about your options and get started on a quote for the policy that best suits your business. We look forward to hearing from you!


A tow truck can be a target for vandalism, particularly in areas with high crime rates. If your vehicle is damaged by graffiti or other forms of vandalism, you can file a claim through on-hook towing insurance to get the repairs or replacement costs covered. This type of coverage is available through some insurance companies, but you should check with several to find the best policy for your needs.

This type of insurance can also cover injuries to your employees while they are working on your customer’s car. This is important because it can be expensive to pay for medical expenses or lost wages if an employee is injured during the course of their work. You should check with your insurance company to see if this type of coverage is included in your on-hook towing insurance policy.

On-Hook Towing Insurance is a type of commercial truck insurance that provides protection for businesses that offer towing services. It is an affordable and necessary option for anyone who owns a tow truck or plans to operate one. The cost of this type of insurance is dependent on a variety of factors, including the number of trucks owned by the business and their location. It is also a good idea to consider purchasing on-hook insurance for any vehicles that are in transit or being stored at a service station.

On-Hook Towing Insurance is similar to garage keeper’s legal liability insurance, which is required by some states. It protects you from liability claims related to property damage, bodily injury and wrongful death caused by your activities. It also provides financial stability in the event of accidents or lawsuits involving your business.

Comprehensive Coverage

If you’re operating a tow truck business, or your company rents out trucks on a regular basis, it is essential that you get on-hook insurance. It protects you from lawsuits and damage claims made by third parties who have their vehicles damaged while on the hook of your tow truck. This is a crucial policy for any towing company and is even required by some states.

A comprehensive on-hook policy can cover a wide variety of situations, including damage and theft to your tow truck, as well as damages and theft to the vehicles being transported on the back of your truck. It can also help with legal expenses in the event that you are sued by a third party. The cost of this type of coverage can vary depending on the specifics of your towing business, the kind of vehicle you carry, and how high a limit you choose for your policy.

The type of insurance coverage you need can vary, but a comprehensive on-hook policy is generally a good choice for most tow truck businesses. The limit you choose should be based on the average value of the vehicles you tow, and your deductible should be reasonable compared to the amount of money you could possibly have to pay out-of-pocket per incident.

One thing to note is that on-hook insurance does not cover personal items left in a car, which falls under the scope of cargo insurance. If you have any questions about your specific insurance needs, consult with a professional who understands the towing industry and can provide personalized advice for your specific situation. This will ensure that you are getting the best possible coverage for your towing business.