Is Your Tow Truck Insurance Keeping Up with Your Growing Business?

Running a tow truck business isn’t what it used to be — and that’s a good thing. Maybe you’ve added new trucks, hired extra drivers, or expanded into new cities. But here’s the real question: Has your insurance grown with you?

Too often, tow truck business owners are stuck with outdated coverage that no longer fits their operation. At Cal-Society Insurance Services Inc., we help towing companies like yours adjust and scale their insurance so they’re never left exposed when things go wrong.

Here’s how to tell if your insurance needs an upgrade — and what to do about it.

1. You’ve Added More Trucks or Equipment

Each new vehicle you put on the road increases your liability. More trucks mean more exposure, and more opportunities for claims.

Ask yourself:

• Have I updated my policy with each truck I’ve added?
• Are all my trucks covered for physical damage, not just liability?

✅ What to do: Contact your insurance provider to update your fleet list and make sure your physical damage limits reflect current market values.

2. You’ve Hired More Drivers

New drivers bring new risks — especially if they’re inexperienced. If your insurance doesn’t account for driver history or training, you could face denied claims or rate hikes.

Ask yourself:

• Are all my drivers listed on the policy?
• Do I have protocols in place for driver safety and background checks?

✅ What to do: Make sure every driver is scheduled on your policy and that they’re trained in safe towing procedures.

3. You’re Towing Different Types of Vehicles

If you’re now towing motorcycles, commercial trucks, or even exotic vehicles, your basic policy may not cover the full range of value or liability.

Ask yourself:

• Has the type of towing work I do changed recently?
• Am I towing higher-value or specialty vehicles?

✅ What to do: Discuss coverage for specialty towing, including Garagekeepers Legal Liability and On-Hook Coverage.

4. You’ve Expanded into New Areas or Contracts

Maybe you signed a contract with a city, an auto club, or a dealership. Different contracts often come with different insurance requirements.

Ask yourself:

• Am I operating in areas with different state or city insurance regulations?
• Does my insurance meet the coverage limits required in new contracts?

✅ What to do: Review contract insurance requirements and update your policy to stay compliant — or risk losing the deal.

5. Your Annual Revenue Has Increased

While higher revenue is great, it could mean your risk profile has changed — and your current policy might fall short in a claim.

Ask yourself:

• Has my business grown significantly in the past year?
• Am I carrying enough coverage for liability and business interruption?

✅ What to do: Reassess your General Liability, Commercial Auto, and Business Interruption limits annually.

Let Cal-Society Keep You Covered As You Grow

Tow truck insurance isn’t a “set it and forget it” policy. As your business evolves, so should your protection. At Cal-Society Insurance Services Inc., we work closely with towing companies to adjust and scale their insurance — so they’re always ahead of the risk curve.

✅ Custom coverage plans
✅ Competitive rates for growing fleets
✅ Quick COI delivery for contracts and compliance

📞 Ready to review your policy?
Call us today[800-773-1663] or request a free coverage checkup. Let’s make sure your insurance is growing with you — not holding you back.