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Tow companies provide a valuable service to drivers by transporting disabled vehicles to repair facilities or other destinations. To operate safely and legally, tow companies need to have certain insurance coverages in place. 

Here are some of the most common insurance coverages that tow companies should have:

Auto Liability Insurance: This coverage provides protection for damages that the tow company may cause to others while transporting vehicles. This may include damages to other vehicles, property, or injuries to third parties.

Garage Keepers Liability Insurance: This coverage is designed to protect the tow company in the event that a customer’s vehicle is damaged while in the company’s possession. This coverage may include damages due to fire, theft, or collision while the vehicle is being stored.

Physical Damage Insurance: This coverage provides protection for the tow truck and its equipment in the event of a collision or other type of physical damage. This may include coverage for the truck itself, as well as any specialized equipment that is used in the towing process. Workers’

Compensation Insurance: This coverage provides benefits to employees who are injured on the job. In the case of tow truck drivers, this may include coverage for injuries sustained while operating the tow truck or performing other tasks related to the job.

Umbrella Liability Insurance: This is an additional liability coverage that provides additional protection in the event that the limits of the other liability policies are exhausted. This coverage can be especially important for tow companies, as the potential damages in a lawsuit can be significant.

It’s important to note that insurance requirements for tow companies can vary by state and jurisdiction, so it’s best to consult with a licensed insurance agent to ensure that your business has the appropriate coverage in place

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