Tow Truck Insurance Minneapolis

Tow Truck Insurance Minneapolis: Where Expertise Meets Efficiency

Finding tow truck insurance in Minneapolis is not an easy task; that’s where we come in. Is your tow truck business insured correctly and at the lowest cost? Tow truck business owners often think getting tow truck insurance in Minneapolis is difficult and over priced.Request for quoteOur local insurance agency (in Minnesota) specializes in Minnesota Tow Truck Insurance and offers you a unique experience. Be ready for a whole new effortless and flawless experience finding and purchasing Tow Truck Insurance in Minneapolis. 

Tow truck insurance company in Minneapolis

At Minnesota Tow Truck Insurance, we are experienced professionals.  We will find you the best deal on commercial vehicle insurance and general liability insurance using multiple insurance companies. 

Since 1982, we’ve been insuring our clients’ businesses. Along these years, we learned the ins and outs of insuring towing and recovery business throughout the land of 10,000 lakes. And it is obvious that your current agent does not want you to contact us. 

With our Minneapolis Towing and Recovery Insurance, we pledge to protect your truck business from monetary and legal repercussions. We sell you the coverages you need and want, not the ones you don’t. We customize your coverage to meet your exact needs. Plus, all our policies come with an insurance agent! We are not a service center.

At Minnesota Tow Truck Insurance, we live by the motto “Minimum Amount, Maximum Service.” As a result, we provide our clientele with the best-in-class service at the most affordable price.  And that’s why our clients often refer to us as the “best and cheap Tow Truck insurance provider in Minneapolis.”

Reach out to us today and get the best deals on our towing insurance plan now.

We are the first choice among businesses for easy tow truck insurance quotes. So be it for tow trucks, car carriers, wreckers, rollbacks, heavy spectacle lifts, or heavy-duty slings. We aim to cover as many tow truck owners as possible with minimal cost. We do this by working for you, not the Minnesota insurance. We have lost count on the number of tow truck businesses insured. 

Minneapolis Tow Truck Insurance: Our Minneapolis Tow Truck Insurance is Unbeatable

Each time a driver sits behind the wheels of a tow truck, they must face a lot of risks on the road. Maneuvering such a huge vehicle with such a heavy load isn’t an easy job. 

We’ve worked with numerous tow truck owners and recovery businesses owners throughout the years. This has helped us to learn about your needs precisely. The needs of your type of business, along with your insurance certificate mandates. 

Many of the vendors you work with, contracts or loans you have, need special things, specialized coverage. Things like additional insured, waiver of subrogation, loss payee, increased commercial auto insurance limits and increased on-hook coverage. Perhaps you need a filing for crossing the Minnesota state line. Please rest assured, we are on the job and ready to help. 

Let our industry-specific insurance professionals ensure all your tow truck insurance requirements are met. Get back to running your tow truck company in Minneapolis. Let us worry about protecting your towing business. 

Get your free Tow Truck Insurance Quote in Minnesota. Simply complete our online form or call 952-469-0425 for the best deal now.

Request for quoteMinneapolis Towing & Recovery Insurance: Our Support Is Limitless

Tow trucking insurance agent in MinneapolisWe aim to provide you with proper direction, guidance if you will.  Partner with us, and we promise to put together this complex insurance puzzle together for you. First, tell us exactly your needs and requirements; we listen. Then, we start sorting out the insurance policies/coverages and customize one plan that matches your business perfectly. 

We are the best insurance agency in Minnesota to safeguard your towing business. With our extensive knowledge of the industry, we make Minneapolis Tow Truck Insurance easier for everyone. 

You have complete control over your account at all times. We will give you choices, options and make recommendations. You pick your tow truck insurance coverage while we ensure that you’re not missing out on a crucial feature that is a prerequisite for your business or will protect you better in the future. 

Minneapolis Tow Truck Insurance: We Provide Unmatchable Solutions to Tow Truck Owners

No one knows about the risks associated with a tow truck business better than you. We know a distinctive towing and recovery insurance in Minneapolis, Minnesota. Finding insurance for a tow truck in Minnesota is a difficult one. However, having an experienced professional on your side, like us, is an excellent start.

There are only a few recognized insurance agencies writing coverage in Minnesota. We are happy to say we write with most and have two of the best and most affordable carriers. 

We are on excellent terms with all of our insurance carriers. Having underwriters that know we do good business, are honest, and are experienced helps us get you the very best rates available. This is how we conduct business here, and we wouldn’t have it any other way. 

We wish to be your go-to and trusted insurance company or insurance agent. We consider our clients as a part of our family. At Minnesota Tow Truck Insurance, you can expect transparency and out-of-the-box service.

Some of the coverages we offer are: 

  • Commercial Auto Liability
  • Personal Injury Protection
  • Uninsured and Underinsured Motorist Coverage
  • Comprehensive Coverage (Full Glass Coverage with Some Carriers)
  • Collision Coverage
  • On-Hook Coverage
  • Garagekeepers Coverage (Garage Keepers)
  • Cargo (Other Than Auto)
  • General Liability Insurance
  • Workers Compensation Insurance
  • Commercial Umbrella Insurance

So, what are you still waiting for? Get in touch with us. Let us help you find Minneapolis Tow Truck Insurance coverage at the best rates in town. Did I mention we are local and located in the Twin Cities?

Request your quote now by completing our online form or calling us at 952-469-0425. 

Minneapolis Tow Truck Insurance Coverage Frequently Asked Questions (FAQs)

Q- What kind of insurance do I need for a tow truck in Minneapolis?

Ans:- Every tow truck in Minneapolis, MN, must carry liability insurance to be legal here. There are other things you might need because tow trucks are expensive, and you might have a loan. We are talking about comprehensive and collision coverages.  These are typically written with $1,000 deductibles with full glass coverage available in a few cases. General liability insurance is often written with commercial auto coverage.  

This provides bodily injury and property damage coverage other than auto (like a location or lot). Limits of coverage are typically $1,000,000/$2,000,000.  The first number is the occurrence limit (per claim), and the second is the aggregate (per policy year). A tow truck insurance policy would also normally have on-hook coverage and garagekeepers coverage. 

The on-hook coverage covers the vehicle you are hauling.  Garagekeepers can do the same depending on the insurance company but cover the vehicle on your lot or in your care, custody, and control. Limits are selected most are $50,000, $100,000, and $150,000.  Most insurance companies refer to cargo coverage when referring to towing and recovery insurance other than auto—things such as motorcycles, boats, tool boxes, ice houses, etc. Cargo insurance typically begins as a $500 per year add-on. Some of these can be tow truck insurance requirements in the contracts you may have. Remember, tow truck insurance coverage is specialized coverage.

Q- How much does it cost to insure a tow truck in Minnesota?

Ans:- Approximately $3,500 to $7,000 per year for a single tow truck used for basic roadside and recovery towing. The cost to insure a tow truck varies on what you insure, the year, make, model, value, your driving record, claims history (loss runs), location and coverages selected.  Generally, it costs more if you are just starting a towing and recovery business insurance in Minneapolis. Establishing a good history over three years is key to finding affordable rates.

Q-Why is tow truck insurance so expensive?

Ans:- Towing and recovery vehicles are big and can cause more property damages and injuries. Tow trucks, car carriers, flatbeds, and wreckers are also expensive to replace. Tow truck drivers with bad records will pay more. We don’t like the word cheap, cheap tow truck insurance. We preferred low-cost tow truck insurance. With us, you can expect the best price on your tow truck insurance, and our job is protecting your towing business.

Q- Is owning a tow truck profitable?

Ans:- Yes! Insurance is the next largest expense besides the truck, fuel, and employees. Our ambition is to find you the right insurance plan at the best price. Quite frankly, in the very beginning, it can be costly for the insurance plan. Sometimes this can be explained away by the experience, though. Trust us to present your Minneapolis towing business to the insurance company in the most positive way possible. We hold an excellent relationship with our carriers and try to keep your money in your pocket.


Minnesota Tow Truck Insurance has brought a range of services and we also cover different service areas mentioned below:

  1. Tow Truck Insurance Duluth
  2. Tow Truck Insurance Saint Paul
  3. Tow Truck Insurance Bloomington
  4. Tow Truck Insurance in Rochester

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