Real carrier recommendations from independent insurance agents who have successfully placed tow truck operators and towing companies.
Finding the right carrier for tow truck operators and towing companies is one of the most common challenges independent insurance agents face. Based on 13 real placement discussions from working agents, this guide summarizes which carriers are writing this class of business, what underwriting hurdles to expect, and which states have the most active markets.
On-hook/in-tow coverage for customer vehicles, roadside work zone liability, and garagekeepers exposure for stored vehicles create a complex coverage web. Repossession work adds even more risk. Many standard commercial auto carriers exclude towing operations entirely.
The carrier recommendations below aren't theoretical — they come from agents who have actually bound coverage for tow truck operators and towing companies. The most frequently mentioned carriers are Progressive, BHHC, Travelers, State Farm, Kemper. Scroll down for the full list, state-by-state breakdowns, and detailed agent discussions.
These carriers are most frequently recommended by agents for placing tow truck operators and towing companies. Rankings are based on how often agents mention each carrier in successful placement discussions.
Our analysis of 13 placement discussions reveals patterns that can help agents place tow truck operators and towing companies more efficiently:
Data sourced from 13 verified agent discussions. Updated daily as new discussions are captured.
This matrix shows which carriers have been recommended by agents for tow truck operators and towing companies in specific states. Data is based on 13 real placement discussions — a ✓ means at least one agent has reported placing this risk with that carrier in that state.
| Carrier | OH | FL | CA | AZ | TX | OR |
|---|---|---|---|---|---|---|
| Progressive | — | ✓ | ✓ | ✓ | ✓ | ✓ |
| BHHC | — | — | — | — | — | ✓ |
| Travelers | — | — | — | — | — | ✓ |
| State Farm | ✓ | — | — | — | — | — |
| Kemper | — | — | ✓ | — | — | — |
| Geico | — | — | — | ✓ | — | — |
| Gainsco | — | — | — | — | ✓ | — |
| National General | — | — | — | — | ✓ | — |
Based on 13 agent discussions. Carrier availability may vary — always verify with the carrier or your wholesaler. Last updated: June 02, 2026.
Agents in these states have shared placement experiences for tow truck operators and towing companies.
Real conversations from independent insurance agents about placing tow truck operators and towing companies. Each discussion includes the original question and agent replies with carrier suggestions.
Browse state-specific carrier recommendations and agent discussions for tow truck operators and towing companies.
Based on 13 agent discussions, the most frequently recommended carriers for tow truck operators and towing companies include Progressive, BHHC, Travelers, State Farm, Kemper. Carrier availability varies by state and specific risk characteristics. Surplus lines markets may offer additional options when admitted carriers decline.
On-hook/in-tow coverage for customer vehicles, roadside work zone liability, and garagekeepers exposure for stored vehicles create a complex coverage web. Repossession work adds even more risk. Many standard commercial auto carriers exclude towing operations entirely.
The states with the most agent discussions about placing tow truck operators and towing companies are Ohio, Florida, Alabama, California, Arizona. Coverage availability and pricing can vary significantly by state due to regulatory differences and local market competition.
Start by contacting the carriers most frequently recommended by agents: Progressive, BHHC, Travelers, State Farm, Kemper. Many agents also report success through wholesale brokers and MGAs who specialize in this class. The 13 discussions on this page include specific agent experiences with quoting and binding coverage.
It depends on the state and specific risk details. Some admitted carriers do write tow truck operators and towing companies, but many agents report needing to access surplus lines or specialty markets. States like Ohio, Florida, Alabama tend to have more carrier options based on agent discussions.
Typical coverage needs include general liability, property, and often workers compensation. Depending on the specific operation, agents also discuss commercial auto, professional liability, inland marine, and umbrella coverage for tow truck operators and towing companies. Review the agent discussions below for specific coverage recommendations.
The carrier recommendations on this page come from 13 real discussions between independent insurance agents with 18 agent replies. Every data point originates from a verified agent community — not marketing materials, carrier websites, or AI-generated content. Data is captured daily and this page was last updated on June 02, 2026. Read our full methodology.