{"id":1222,"date":"2026-11-05T14:05:03","date_gmt":"2026-11-05T20:05:03","guid":{"rendered":"https:\/\/www.calsociety.com\/?p=1222"},"modified":"2026-11-05T14:15:00","modified_gmt":"2026-11-05T20:15:00","slug":"tow-truck-insurance-on-hook-vs-garagekeepers-coverage","status":"publish","type":"post","link":"https:\/\/www.calsociety.com\/es\/blog\/tow-truck-insurance-on-hook-vs-garagekeepers-coverage\/","title":{"rendered":"Your Tow Truck Is Insured, But What About the Vehicle You’re Towing?"},"content":{"rendered":"
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Imagine transporting a customer’s car when an accident happens. Your tow truck is insured, but who pays for the damage to the vehicle sitting on your flatbed?<\/div>\n
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This is one insurance gap many towing business owners overlook.<\/p>\n

Having Commercial Auto Insurance<\/strong> does not automatically mean the vehicles you tow or store are covered. That’s why understanding On Hook Coverage and Garagekeepers Coverage<\/strong> is essential for every towing business.<\/p>\n

1. What Is On Hook Coverage?<\/h2>\n

On Hook Coverage<\/strong> helps protect customer vehicles while they are attached to your tow truck and being transported.<\/p>\n

For example, if a customer’s SUV is damaged in a covered accident while being towed, On Hook Coverage may help pay for the damage, subject to policy terms and limits.<\/p>\n

It is particularly important for businesses offering roadside assistance, accident towing, and vehicle transportation.<\/p>\n

2. What Is Garagekeepers Coverage?<\/h2>\n

What happens when you tow a vehicle to your storage yard and something goes wrong?<\/p>\n

Garagekeepers Coverage<\/strong> helps protect customer vehicles in your care, custody, or control while stored at your business location.<\/p>\n

Covered losses may include certain incidents involving:<\/p>\n