What is auto liability insurance?



Liability insurance offers the damages that you legally need to pay someone when your business is harmed. Auto liability insurance will help you to cover your legal obligation to someone when you are injured in a car accident, and it will help you to cover the costs of repairing or replacing your vehicle. 

There are many different sorts of liability insurance that your towing company may require. The key is to make sure that all your issues are resolved when it comes to your insurance. Some of the coverages are


• Bodily injury liability insurance covers the medical bill, and lost wages if your business injures someone physically. 

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• Property damage liability covers the cost of damages that your trucks or driver may do to someone else property while it is not under your care, custody, or control for example if you cause an accident and damage others vehicle. 

• Hired/Non-owned auto liability offer protection if your employees drive a car that is owned by your business for business purposes. 

Why do I need auto liability insurance?

Legal defense and medical bills add up quickly if someone charge against your business for causing the harm. If one of your tow truck drivers causes a car accident, for example, your company may be responsible for paying different bills-medical bills, legal expenses, and repair bills. And that’s where insurance plays the role. Accidents happen, and you need to make sure that your towing business is protected from all the liabilities that you face daily. 

How much does auto liability insurance cost?

The cost of auto liability insurance depends on many regarding your businesses. An insurance company needs to take a look at the specifics of your business before they decide no matter to insure you and how much to charge. Some of the factors that affect the cost of your tow truck service insurance are...


• Your drivers: the age, experience, and driving records of your tow truck drivers play an important role in your cost because they indicate the rate of risk your business is. 

• Your trucks: The year, manufacture, and model of your towing service or wreckers will affect your rates. 

• Your radius of operations/Your location: Where you drive and how far it will affect your rates. 

• Your claims/losses: If your business has a history of claims, losses indicate high risk. And it can face high tow truck insurance costs. 

• Speeding tickets: Speeding tickets are also a risk. 

• How long you've been in business: if you’re an established business you have been around for a while and you have a good loss record, you will most likely get lower costs. 



The only way to get accurate ideas of how much liability insurance will cost for your towing service is to get quiet. And you will find the best coverage at the best rate. All you to do is to get started and give us a call or fill out our online form.


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