Towing Insurance | Workers' Comp

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Workers' Comp Coverage for Towing Businesses

Workers compensation for your towing business can be hard to find and pretty expensive to purchase. Depending on your hours of operation and state, it may be impossible to get coverage outside your State Insurance Fund. However, we're working hard to create better insurance programs for towing companies in most states across the U.S.

We've been helping tow truck owners find easy and affordable coverage for over 15 years. Our experts understand the insurance requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed towing programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Towing Insurance Companies

AmeriSafe Workers Compensation Insurance Roofing-Trucking.

AmeriSafe Insurance

AmeriSafe Insurance Company is a specialty carrier who write hard to place risks. They offer good rates and loss control services.

AmeriSafe Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for tow truck operations.

Accident Fund

State Auto is a national insurance company that quotes workers comp in most states.

ICW Group

ICW specializes in workers compensation coverage for a broad range of well-managed industries and class codes.

State Auto

Benchmark Workers Compensation Insurance Coverage.


Benchmark has competitive rates and they provide coverage for towing, recovery companies and wrecker services.

Benchmark Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Normandy Insurance

Normandy Insurance is a diverse, fast growing insurance company underwriting a broad range of risk classes and industries.

Normandy Insurance

UBIC specializes in tough work comp class codes including home health and heavy construction.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for towing services and recovery companies.

UBIC Insurance

Pie Workers' Compensation Insurance.

Pie Insurance

Pie Insurance is one of the newest national insurance companies. They have leveraged technology and offer low rates on coverage.

Pie Insurance

SouthEast Leasing Workers' Compensation Insurance

SouthEast Leasing, Inc.

SouthEast Leasing is an affordable alternative to buying workers comp from state fund carriers. They provide payroll work comp coverage.

SouthEast Personnel Leasing

Cimarron Insurance Company writes hard to place workers comp in most states.

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage for most NCCI class codes.

Cimarron Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

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Workers' Compensation Codes Related to Towing

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 7225 | Towing Company

Tow truck companies are primarily engaged in towing light or heavy motor vehicles. The towing distance may include local and long distance towing. It's common for these companies to provide other related services including vehicle storage and emergency roadside assistance. Tow trucks include rollbacks, flatbeds, wheel lifts and hook and chain vehicles.

Repossession services are typically included under class code 7225. However, these companies may be subject to more underwriting review due to the additional risks associated with repo insurance. Underwriters evaluate and price tow truck companies on many factors besides the class codes. Towing companies who travel smaller areas, don't provide 24-hour services, and don't do repossession typically get lower rates and more quote options.

See Also:

Auto Repair Insurance

Alternative State Class Codes for Tow Trucks:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

The tow truck class includes employees who work on the lot including mechanics and employees working at an impound lot.

Class Code State
7227 | Towing Service California
7208 | Towing Company Michigan
  815 | Automobile Towing and Drivers Delaware / Pennsylvania
7219 | Towing and Recovery New Jersey / New York

Related: tow trucks, motor vehicle towing, auto towing, emergency roadside assistance, wrecker service, roadside service, repossession companies.

Workers Compensation is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation is a national Agency, licensed throughout the United States.

Get the Best Towing Insurance Coverage

A lot of small towing businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Many are stuck in their State Insurance Fund. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing tow truck insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Tow Truck Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Towing Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for tow trucks:

  Workers' Compensation and Employers Liability

  Tow Truck Liability Insurance

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Tow Truck Insurance Cost?

The average rate our customers pay for workers' compensation under the 7225 class code is around $7.00 per $100 of payroll. The average cost for a liability insurance policy is about $8,500.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of towing work can modify rates
  • Premium discounts and policy credits may apply

Tow Truck Liability Costs

  • GL rates for towing are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of towing matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC code 7549- Motor Vehicle Towing
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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