Tow Truck Insurance

Keep Your Business Rolling: Expert Insurance for Texas Towing & Recovery Operations

In the towing and recovery industry, risk is a constant companion. From high-traffic roadside assistance on I-45 to complex repossession jobs, your business faces unique and significant challenges every single day. At York Insurance Services, Inc. in Corsicana, we understand the tough environment you work in because we specialize in it. For over 30 years, we have provided heavy-duty insurance solutions to Texas towing, garage, and auto repossession companies.

Don't settle for a generic commercial policy that leaves you exposed. You need a partner who understands the crucial differences in liability, the importance of on-hook coverage, and the complexities of state and federal regulations. We are experts in navigating the requirements for Texas Department of Licensing and Regulation (TDLR), TxDOT, and USDOT filings, ensuring your business stays compliant, protected, and profitable.

Specialized Insurance for the Towing Industry

We build customized insurance portfolios that cover your business from every angle. Our key coverages include:

• On-Hook Towing Insurance This is the core of your protection. On-Hook coverage protects you from liability for damage to a customer's vehicle while you are actively towing or transporting it, whether it's a simple tow or a complex recovery.

• Garage Keepers Legal Liability If you store or work on customers' vehicles at your location, this is essential. It covers physical damage to those vehicles while they are in your care, custody, and control, protecting you from claims of fire, theft, vandalism, or collision at your lot.

• Wrongful Repossession Insurance A must-have for repossession specialists. This vital policy protects your business from costly claims alleging wrongful repossession, breach of peace, or illegal entry. It covers legal defense costs, settlements, and damages.

• Commercial Auto Liability & Physical Damage This policy provides critical liability and physical damage protection for your entire fleet—from light-duty wreckers to heavy-duty rotators and flatbeds. It covers your vehicles and your liability while on the road and at the scene of a recovery.

• Workers’ Compensation Roadside work is one of the most dangerous jobs in America. Workers' Compensation provides medical benefits and wage replacement to employees injured on the job, protecting them while shielding your business from litigation. We are also experienced with Texas Non-Subscriber options.

• Commercial General Liability Protects your business from third-party claims of bodily injury or property damage that occur on your premises or as a result of your business operations (that don't involve your trucks or customers' vehicles).

Get the Right Coverage for Your Rigs

Your business is too important to leave to chance with inadequate insurance. As your local Corsicana-based specialists, we are ready to put our industry expertise to work for you.

Contact us today to schedule a free, comprehensive review of your current towing insurance policy. We’ll help you identify critical gaps and build a plan that protects your trucks, your employees, and your bottom line.