Tow Truck operations need highly specialized coverages not needed by a typical trucking operation. Caleb Jackson our VP of Transportation and TRIP certified (Transportation Risk and Insurance Professional) will break down coverage options and facts that you will need to make sure you are getting the right coverage.

Protect your tow truck business with expert coverage tailored to Florida's unique requirements. Whether you're a new tow company or an established operator, we deliver the right commercial auto insurance, on-hook towing, and garage keepers protection at competitive rates.

Call us today at (850) 389-2001 for a fast, no-obligation quote!

Florida Tow Truck Insurance Explained

As a tow truck operator in Florida, you face unique risks every day. From hauling disabled vehicles on busy highways to storing cars in your tow yard, your business needs comprehensive protection. Florida tow truck insurance is a specialized form of commercial auto insurance that safeguards your trucks, drivers, customers' vehicles, and your company's future.

State laws set minimum insurance requirements for tow truck operations, but meeting the bare minimum often leaves gaps. At Barbee Jackson Insurance, we help tow truck businesses go beyond basics with tailored coverage options that fit your specific needs — whether you run light-duty flatbeds or heavy wreckers.

⭐⭐⭐⭐⭐One satisfied client shared: "Barbee Jackson Insurance has been so helpful with my business and personal insurance. They are always helpful and answer any question I have... even the very obvious ones." Check out more real Google reviews here →

How Much does Tow Truck Insurance Cost?

Rates will vary depending on the area and truck type. Rates can vary from $6,000 per year to $14,000. Our agents will compare all the insurance companies to make sure you are getting the best price.

Florida Tow Truck Insurance Requirements

Florida requires specific minimum limits for commercial auto liability, in-tow (on-hook) coverage, storage, and more. These depend on your truck's gross vehicle weight (GVW) and operations.

Commercial Auto Liability Limits (combined bodily injury and property damage per occurrence):

• Tow trucks under 35,000 lbs GVW: $50,000 Combined Single Limit
• 35,000–39,999 lbs GVW: $100,000 Combined Single Limit
• 40,000+ lbs GVW: $300,000 Combined Single Limit

In-Tow (On-Hook) Coverage: Minimum $50,000 to protect towed vehicles from damage while in transit.

Storage (Tow Yard) Coverage:

• Garage Liability: Minimum $300,000 Combined Single Limit
• Garage Keepers Legal Liability: Minimum $50,000 per loss (covers fire, theft, vandalism, etc.)

Personal Injury Protection (PIP): Minimum $10,000 per occurrence.

Staying compliant avoids fines and business interruptions, but many tow company owners need higher limits for valuable vehicles or high-risk jobs. We work with top insurance companies to customize your policy.

Flatbed towing is often the safest option for customers' vehicles, reducing risk during transport:

Essential Coverage Options for Tow Truck Operators

Beyond state minimums, consider these key protections:

• Bodily Injury and Property Damage Liability — Covers injuries or damage you cause to others.
• On-Hook Towing Insurance — Protects towed vehicles from theft, fire, or collision while hooked.
• Garage Keepers Legal Liability — Safeguards customer vehicles in your care, custody, or control.
• Physical Damage Coverage (collision & comprehensive) — Repairs your tow truck after accidents, theft, or weather damage.
• Uninsured/Underinsured Motorist — Protects you if hit by a driver with little or no insurance (secondary to PIP in Florida's No-Fault state).
• Medical Payments — Extra coverage for you and passengers' injuries.
• Customer’s Contents Coverage — Reimburses personal items stolen from stored vehicles.

⭐⭐⭐⭐⭐A client raved: "I was recommended to Barbee Jackson Insurance... I am very thankful that I had found them because I had been shopping around for truck insurance and everyone was giving me some crazy amount!" Read more authentic Google reviews →

Frequently Asked Questions

Why would a tow truck company need Garagekeepers?
Garagekeepers insurance is valuable when you have a yard where you are storing the vehicles. This means that you are in care, custody and control of the vehicle until the owner takes back possession.
You could be held legally liable if something happens to the vehicle. That’s where garagekeepers coverage steps in to pay for damages to the vehicle while you are in possession.

Which type of tow truck is cheaper to insure - Flat Bed or Wheel Lift?
We have found Wheel Lift Tow Trucks are cheaper to insure. Our underwriters have found that many tow truck businesses will also use the Flat Bed trucks to haul used vehicles to and from dealerships and auction to be resold. This increases the risk and that will reflect in the premium.

Are passengers allowed to ride in the tow truck while their vehicle is being towed?
Yes, we do not have an exclusion for passengers that you are towing for hire. It is important to remember that if your passenger gets injured in the truck you could be held liable for medical treatments.

Why Choose Barbee Jackson Insurance?

We're your Florida tow truck insurance experts, partnering with major commercial auto insurance carriers to deliver the best coverage at the best price. Our team understands truck insurance coverages, legal liability, and the daily challenges tow truck operators face.

Whether you're a startup or multi-truck fleet, we assess your risks and recommend upgrades. Don't settle for minimums — get protected properly.

Call (850) 389-2001 today for a competitive quote or to review your current policy. We're here to help — even if you currently insure elsewhere!

Ready to see more satisfied customers? View our Google reviews here →