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Coverages for Tow Truck Insurance Florida

Tow Truck Liability Insurance Florida: As discussed, liability coverage is especially important to truck drivers. No driver or company can operate on the road legally without liability coverage. If a driver is in an accident, the property damage and bodily injuries sustained will be covered by this policy.
Tow Truck Medical Payments Insurance Florida: This offering ensures medical payments are paid for drivers or passengers of the truck – if there is an accident to the vehicle. This is important because drivers often provide a ride to the owners of cars they are towing.
Tow Truck Comprehensive Insurance Florida: If you have newer vehicles, then comprehensive coverage is important. This coverage offers protection in the event that your trucks get damaged in situations other than a collision.
Tow Truck Physical Damage Insurance Florida: If you have financed the purchase of your trucks, then you will usually be required to carry physical damage insurance for them. The coverage protects against damages, regardless of fault.
Tow Truck Garage Service Insurance Florida: If your business not only offers towing services, but you also offer roadside repair or in-house service stations – then you’ll want to get garage service insurance. This coverage will protect you against damages incurred while a vehicle is being serviced by your business.
Tow Truck Uninsured or Underinsured Motorist Insurance Florida: With this option, your company will be compensated if you’re involved in a collision with a motorist who doesn’t have the proper coverage. Most of these policies also protect against hit-and-run situations.
Tow Truck On-Hook Insurance Florida: As we already mentioned, on-hook coverage protects the vehicle you are working. This coverage will pay for repairs or replacement costs if any damages are done to a vehicle you don’t own during transport.

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Tow Truck Insurance Florida On Hook Towing Insurance:

Coverages:

General Liability
Bodily injury liability insurance
Property damage liability insurance
Medical payments insurance
Collision insurance
Comprehensive insurance
Fire and theft
Unisured motorist insurance
Underinsured motorist insurance
Unisured motortist property damage

Tow Truck Insurance Florida On Hook Towing Insurance:

On Hook Towing Insurance:

Covers your clients auto while being towed by your company
Tow trucks must carry a minimum of $50,000 in coverage for vehicles that are in tow or on hook.
Options for on hook towing deductibles

Garagekeepers Insurance for Tow Truck Companies.

If you are storing the auto you tow, then you will need garage keepers insurance to cover any phyiscal damage which may occur the auto while at your storage location

Tow Truck Insurance Requirments Florida

Tow Trucks with a Gross Vehicle Weight of 40,000 or more must carry a minimum of $300,000 Combined Single Limit. This limit applies per occurrence.
Tow Trucks with a Gross Vehicle Weight of 35,000-39,999 pounds must carry a minimum of $100,000 Combined Single Limit. This limit applies per occurrence.
Tow Trucks with a Gross Vehicle Weight of less than 35,000 pounds must carry a minimum coverage of $50,000 Combined Single Limit. This limit applies per occurrence.

Tow Truck Garage Insurance

If you storing or moving a vehicle that is not in tow. Contact one of our commercial truck insurance brokers to find out which coverage is right for you.

Florida Tow Truck operators must carry a minimum Garage Keepers Legal Liability Limit of $50,000 for each loss, covering perils of fire and explosion; theft of a vehicle, its parts or contents; riot and civil commotion; vandalism; and malicious mischief.
Florida Tow Truck operators must carry a minimum Garage Liability Limit of $300,000 Combined Single Limit. This limit applies per occurrence.