What towing & roadside operations do
Towing and roadside operations recover and transport disabled or wrecked vehicles, run flatbed and wheel-lift trucks, provide roadside assistance (jump-starts, lockouts, tire changes), and sometimes operate impound lots. The work happens out on the road and at accident scenes — not inside the shop — which fundamentally changes the risk.
The exposures that come with it
The signature towing exposure is on-hook (cargo) risk: the customer’s vehicle can be damaged while it’s hooked up and in transit, and that’s a different exposure than a car sitting in your bay. There’s also commercial auto liability for the tow truck or wrecker itself, heavy off-premises exposure since the risk travels everywhere the truck goes, and impound-lot storage exposure for vehicles held on-site. Which vehicles are covered ties back to your covered auto symbols.
Coverage that matters for towing operations
On-hook / cargo coverage for towed vehicles, commercial auto for the truck, garage liability including off-premises operations, and workers’ comp. Note the program lists towing (including impound and roadside), with scheduled autos limited by power units in some states — confirm at quote. Coverage is general in nature and governed solely by the terms of the issued policy.