Tow truck insurance is required for everyone who operates a tow truck for commercial use. This rule is applicable to small businesses with a single truck, big businesses with truck fleets, and everyone in between. Roadside service providers, auto body shops, auto mechanical repair shops, vehicle salvage and auction haulers, auto repossession organizations, and full-service stations are a few examples of companies that may require commercial tow truck insurance.
The principles behind commercial truck policies are simple enough, but be prepared to answer a lot of questions about the type of people you have operating the trucks, the type of cargo they carry, and the expected mileage during the year. Your policy could also depend on whether or not you operate across state lines.