Towing can be a risk packed and danger filled industry. That is why Reliable Risk Management wants to give you the proper coverage and strategies to manage your risk. Our agents will help guide your through the exact coverage you need to protect your business and keep your trucks on the road. With 24/7 certificates of insurance available through our website, you can count on us advocating for you whatever your needs may be. Our dedicated towing staff are always looking for new ways to help our many partners in the towing industry to succeed.

Possible insurances for your business

General Liability

Your general liability policy is the backbone of your policy. Covering small 3rd party injuries to a range of other incidents, it can be the difference between breaking the bank or saving a business.

On-Hook Insurance

The bread and butter of towing insurance, this is a must have coverage for any towing company. It protects any cars you may have in your possession during transportation and ensures you are protected from unexpected losses.

Workers Compensation Insurance

Towing cars can be a dangerous industry as your employees perform their duties. If you have workers being paid, chances are you will need some form of workers compensation insurance. This coverage helps to ensure that your company is safe from litigation, by covering a worker’s medical fees and lost wages should they suffer a work-related injury.

Commercial Vehicle Insurance

This insurance coverage protects the vehicles you use from heavy tow trucks with rotators to light tow trucks or even a company vehicle. These vehicles should be insured for both accident related incidents as well as collision and non-collision damages.

Commercial Property Insurance

If you have a garage, automotive collision repair center, or just a home base for your trucks, you utilize protection that falls under commercial property insurance. This insurance protects against a vast range of physical losses from your computers and tools to fences and signs. This type of insurance can be key in preventing a total loss from fires, theft, wind, and falling objects.

Inland Marine

Your inland marine policy protects not only removable tools from your truck, but also protects any Detachable Towing Units (DTUs) you may use.

Umbrella Insurance

This style of insurance helps to protect your assets when all else fails. If you insurance pays to its maximum amount on something like on-hook insurance, commercial auto insurance, or general liability insurance and there is still outstanding debt, your umbrella coverage comes in to cover you, ensuring you are never having to pay out of pocket.


This could be an oil leak or gas leak that result in an environmental danger. This insurance protects against potential environmental hazards as well as liability to injury or death caused by such environmental hazards. This insurance can also cover brownfield restoration and cleanup should there be a need for it.

Secondary Hazard Insurance

This policy which can be known as pollution insurance covers any incidents related to a spill of hazardous materials. If you were saying, towing a oil tanker or even small work truck with an external gas tank, this insurance would ensure you are protected in case of any accidents resulting in a spill.

Our Experience

Often garages and tow truck companies work closely with one another or can even share attributes with one another. If you want to learn more about what insurance is needed for a repair center, visit our page on auto garage insurance.

Our Partners

Reliable Risk Management is always available to help its partners with a range of strategies including but not limited to:

• Meeting OSHA hazard requirement

• A best practices safety library

• The ability to build a behavior-based safety program

• Create effective efficient employee training

Our team is here to help you find the coverage you need, whether it be a new insurance policy or revisions to a previous policy. Get in touch with us today!