Dee Faith Gonzales
Running a towing company in Texas isn’t just about getting vehicles off the road — it’s about doing it safely, efficiently, and with the right protection in place. Every day, towing operators face unpredictable risks: roadside accidents, damaged vehicles, and liability claims. Without proper insurance, a single incident could pull your business off the road for good.
That’s why towing company insurance in Texas isn’t optional — it’s essential. At DFG Insurance Solutions, we specialize in coverage designed for towing businesses of all sizes, from single-truck operators to large fleets serving the Dallas–Fort Worth area and beyond.
Understanding the Risks of the Texas Towing Industry
Texas has one of the largest and busiest highway networks in the country, and towing companies keep those roads clear. But that constant activity also means constant exposure to risk.
Tow truck operators handle stressful, high-pressure situations daily — recovering vehicles on crowded interstates, towing wrecked cars from accident scenes, or transporting vehicles for repair. Each of these situations carries a unique set of liabilities.
If your truck damages a customer’s car, a driver is injured on the job, or you’re involved in an accident while towing, you could face lawsuits, medical bills, and major financial loss. That’s why having towing business insurance in Texas is critical for keeping your company running safely and legally.
Core Coverages Every Texas Towing Company Should Have
When building your towing insurance policy in Texas, several key coverages work together to protect your drivers, vehicles, and clients.
1. Commercial Auto Insurance
This is the foundation of every towing business’s protection. Commercial auto insurance covers your tow trucks, service vehicles, and flatbeds against accidents, theft, and damage.
It also provides liability coverage for injuries or property damage caused by your drivers while operating a company vehicle. Without this policy, your business could face enormous out-of-pocket costs after a single accident.
2. On-Hook Towing Coverage
While your driver is towing a customer’s car, that vehicle is your responsibility. If it’s damaged during transport — whether from an accident, fire, or theft — on-hook towing coverage pays for repairs or replacement.
This coverage is essential for tow truck operators in Texas, where accidents and weather-related damage can happen in an instant.
3. Garagekeepers Legal Liability
If you store customer vehicles at your lot or garage, garagekeepers coverage protects those vehicles against theft, fire, vandalism, and other covered events while in your care.
Example: A towing company in Dallas had a customer’s car damaged by hail while parked overnight at their facility. Garagekeepers coverage paid for the repairs, saving the company from paying thousands out of pocket.
4. General Liability Insurance
Accidents don’t only happen on the road. General liability insurance covers injuries or property damage that occur on your business premises or are caused by your operations.
For example, if a customer slips and falls while picking up their vehicle or a tow truck damages someone’s fence while backing up, general liability coverage pays for medical bills and repairs.
5. Workers’ Compensation Insurance
Your drivers work in one of the most physically demanding and high-risk industries in Texas. Workers’ compensation insurance provides protection if they’re injured on the job.
It covers medical care, lost wages, and rehabilitation costs — and protects your business from being sued over workplace injuries.
6. Umbrella Insurance
When a serious accident happens, the costs can exceed your standard policy limits. Umbrella insurance adds an extra layer of liability protection for your towing company, giving you financial peace of mind.
Why Towing Company Insurance Matters in Texas
Tow truck operators are often first responders in roadside emergencies — dealing with bad weather, heavy traffic, and unpredictable drivers.
Without the right towing company liability insurance in Texas, one serious claim could threaten your fleet, your business license, and your reputation.
That’s why so many towing businesses in Dallas, Fort Worth, and across Texas turn to DFG Insurance Solutions for specialized coverage that keeps them moving confidently — no matter what the day brings.
How DFG Insurance Solutions Protects Texas Towing Companies
At DFG Insurance Solutions, we understand towing isn’t just another business — it’s a 24/7 responsibility. You need insurance that works as hard as you do.
Here’s why towing operators choose us:
Texas-Based Experts
We know the unique challenges of running a towing company in Texas — from regulatory compliance to highway hazards. Our local knowledge helps us tailor coverage for your exact risks.
Independent Advantage
Because we’re an independent agency, we shop multiple top-rated insurance carriers that specialize in towing coverage. You get the best protection and competitive pricing — not a one-size-fits-all policy.
Fast Certificates of Insurance
We understand the towing industry moves fast. Need proof of coverage for a contract or city license? We provide certificates the same day.
Direct Access, Real People
You’ll never deal with a call center. When you call or text, you reach Dee and her team directly — professionals who know you, your business, and your coverage.
Support That Extends Beyond the Policy
We’re here to guide you through renewals, claims, and changes to your fleet. You’ll always have a partner who prioritizes your success.
Common Questions About Towing Company Insurance in Texas
1. Do I need towing insurance if I only operate locally?
Yes. Texas law requires commercial auto insurance for all tow trucks, regardless of how far you drive. Even a local towing company in Dallas or Collin County must carry coverage to operate legally.
2. How much does towing company insurance cost in Texas?
Premiums depend on factors like fleet size, driving records, location, and coverage limits. On average, towing insurance in Texas costs between $7,000 and $15,000 annually per truck — but rates vary. We’ll shop multiple carriers to find the most affordable plan for your business.
3. What’s the difference between on-hook and garagekeepers coverage?
On-hook coverage applies while towing a vehicle, while garagekeepers coverage applies when the vehicle is stored at your lot or repair shop. Most towing companies need both.
4. Does personal auto insurance cover towing work?
No. Personal auto insurance will not cover accidents or liability that occur while towing vehicles for business purposes. You must carry a commercial auto policy to stay protected.
5. How can I get affordable towing company insurance in Texas?
Work with an independent agency like DFG Insurance Solutions. We compare rates from multiple carriers, customize your policy for your specific risks, and identify discounts that larger companies often overlook.
The Real Cost of Going Without Coverage
A Texas towing company once faced a $60,000 lawsuit after accidentally damaging a customer’s luxury vehicle during transport. They didn’t have on-hook coverage — and had to pay out of pocket.
For most small businesses, that kind of loss is devastating. With DFG’s specialized towing company insurance, you can operate confidently, knowing your fleet, employees, and customers are protected.
Protect Your Fleet and Your Future
Your trucks are more than equipment — they’re your livelihood. And your drivers are more than employees — they’re the face of your business.
At DFG Insurance Solutions, we provide towing business insurance in Texas designed to keep you covered on every call. Whether you run a one-truck operation or manage a fleet across Dallas–Fort Worth, we’ll help you stay compliant, confident, and covered.
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