Commercial Coverage

Towing Insurance

There is tremendous risk and danger inherent in the towing industry which is why having the proper insurance coverage tailored to your needs is essential for risk management.

Let us help you determine the exact insurance coverage you need and tailor it for your unique needs, providing you with the business protection you want. We streamline your risk management compliance efforts by making it easy to access your certificate of insurance on our website, 24/7. And, we have staff dedicated specifically to the towing industry to ensure we can provide excellent support and services to our partners in the towing industry.

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Possible Insurances for Your Towing Business

General Liability

The most important part of your insurance policy is your general liability insurance. This coverage protects you in the event that you are deemed negligent for third-party injuries or property damage and pays regardless of litigation outcomes.

On-Hook Insurance

Every towing company MUST have On-Hook Insurance because it protects any car you have in your possession during transportation to prevent you from having to pay out-of-pocket for unexpected losses related to damage, theft, etc.

Workers' Compensation Insurance

If your towing business has one or more employees, no matter their role, Workers’ Compensation Insurance is an important protection that you should need. In the event that an employee suffers a work-related injury, Workers’ Compensation Insurance covers their medical fees and lost wages, protecting your company from litigation.


Commercial Vehicle Insurance

Your towing company has at least one vehicle and possibly more and those vehicles need Commercial Vehicle Insurance protection. This insurance protects all commercial vehicles of any size and coverage should include accident-related incidents as well as collision and non-collision damages.

Commercial Property Insurance

Whatever building or garage is the home base for your towing business should be protected by commercial property insurance. It protects your towing business against physical losses from things like theft, fire, wind, falling objects, etc. Physical objects include a range of things such as mechanical equipment, furniture, computers, tools, signs, and more.

Inland Marine

Inland Marine insurance protects goods while in transit or in the process of being transported, including removable tools on your truck. Additionally, it protects any Detachable Towing Units (DTUs) you may use.

Umbrella Insurance

Umbrella Insurance functions like a supplement to your primary insurance coverage. If you have a claim that exceeds your primary insurance coverage, Umbrella Insurance will cover the balance up to policy limits, preventing you from having to pay for those debts out-of-pocket.


Towing companies are exposed to liability risks related to pollution because they work with things like oil and gas, which are considered to be environmentally dangerous. Pollution insurance covers you in the event that you are liable for pollution or environmental damage related to something like a leak or spill, and also covers medical fees and damages for injury and death due to environmental hazard exposure. Additionally, it covers brownfield restoration and cleanup if necessary.

Secondary Hazard Insurance

Secondary Hazard Insurance is sometimes known as Pollution Insurance and affords the same protections. See Pollution Insurance for more information.

Our Experience

Our Experience

Whether you own a garage, a tow truck company, or both, they have a lot in common and share many of the same insurance needs. Visit our Auto Garage Insurance page to learn more about the various types of insurance your business may need.

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Our Partners

Our Partners

We partner with your towing business on a variety of risk management solutions, including:

• We assist you in meeting OSHA hazard requirements.

• Clients have access to a best practices safety library.

• We can help you build a behavior-based safety program.

• We can help you develop an effective and efficient employee training program.

Get in touch with us today to learn about risk management strategies for your business!

Our Solutions

With modern day solutions to everyday problems, we offer:

Proof Of Insurance

24/7 digital proofs of insurance through our online portal. `

Risk Management Materials

We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.

Apply Online

Online quick apply small contract bonds for up to $400,000

Great Support

Unwavering employees, dedicated to helping you find a unique solution to your problem.

Our Beliefs

Our Beliefs

We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.


Our Team Strives to Improve Our Processes and Services Every Day

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Contact Us for more information from one of our team members or to get a free quote now.

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    A Free Consultation

    When we started our business we had no idea the covereage we needed. The team at RRM helped us find the right coverage and continue to provide excellent support. We love working with them and recommend them to everyone!

    Scott Cain Rhino Scooters

    When all was said and done it was clear that Jerry and RRM was the right choice for us. I’m grateful to have an agent that is in my corner and is always there to answer questions and solve problems.  I have and will refer friends and family to Jerry and RRM Insurance Services, they get my highest recommendation.

    -Anthony N.

    I am a small commercial contractor and they have helped us walk through the bonding processes. They have been very respectful, welling to answer all of our questions, and provided great advice. The best part is that we have been able to do several public projects that require a bid bond and then a performance bond. They are really responsive and provide great service. I have no concerns giving them 5 stars and recommending them.

    Rusty Riggs

    It’s always a pleasure contacting Jerry Morris with RRM Insurance Services. For any insurance need we have, Jerry has always taken care of it swiftly and effectively. He has always provided sound advice and ensures to get us the best value and savings possible!

    Vivian Solorio, CFO