Towing Companies Insurance in Texas

Tow truck driver in blue coveralls standing next to a tow truck, loading a blue car.

Keeping Your Business Covered, Every Mile

Operating a towing business in Texas comes with unique risks — from highway accidents to damage claims on customer vehicles. Without the right protection, one incident can threaten your livelihood. That’s why towing companies across Texas turn to DFG Insurance Solutions for specialized coverage. Our policies protect your trucks, your drivers, your yard, and your customers — giving you peace of mind mile after mile.

What Towing Insurance Covers

Black tow truck icon.

Tow Trucks & Vehicles 

Protects your tow trucks against accidents, collisions, theft, or weather damage while in use or parked.

Tow truck lifting a car.

Vehicles You Tow

Covers customer vehicles while they are being transported, protecting you from costly damage claims.

Black car parked next to a parking sign.

Customer Vehicles on Your Lot

Provides coverage if a customer’s car is damaged while stored at your yard or facility.

Black shield with a white car crashing, logo.

Business Liability

Shields your towing company from lawsuits or claims if someone is injured or property is damaged during your work.

Hand holding people silhouettes.

Employee Protection

Helps cover medical bills and lost wages if your drivers or staff are hurt while on the job.

Tow truck carrying a maroon SUV and a white car on a road. Green trees and a sign are in the background.

Why Choose DFG Insurance Solutions

Towing is high-risk — and not every insurance policy fits. At DFG Insurance Solutions, we build coverage around your operations:

  • Custom Coverage

    Every towing business is different. We tailor protection to fit your fleet size, service area, and customer contracts.

  • Competitive Pricing

    As an independent Texas agency, we shop multiple top-rated carriers to secure affordable, reliable coverage.

  • Fast Certificates of Insurance

    Get proof of coverage quickly to win contracts and stay compliant.

  • Direct Access to Agents

    Call or text Dee and her team anytime — you’ll always reach a real person, not a call center.

  • Protection Beyond the Tow

    Coverage that extends to vehicles in your possession, storage yards, and employees — not just your trucks.

Let’s Clear the Confusion

Common Questions About Towing Insurance

  • Is towing insurance required in Texas?

    Yes. Texas law requires tow truck operators to carry commercial auto liability insurance with minimum limits that meet state requirements. However, basic liability alone often isn’t enough. Many contracts, cities, and clients also require on-hook coverage (for vehicles you tow) and garagekeepers insurance (for vehicles stored on your property). DFG Insurance Solutions ensures you meet both legal requirements and contract obligations, keeping your business compliant and competitive.

  • Does my policy cover the cars I tow?

    Yes — with the right coverage. Standard commercial auto liability won’t cover damage to customer vehicles. That’s why towing businesses need on-hook towing insurance, which specifically covers vehicles while being transported. Without it, you could be personally responsible for repair or replacement costs if something happens during a tow. We make sure your policy includes this essential protection.

  • What if I store vehicles at my lot or yard?

    If your towing business keeps vehicles on-site, you’ll need garagekeepers insurance. This coverage protects customer vehicles against risks like fire, theft, vandalism, or accidental damage while in your custody. Whether you store cars overnight or operate a full-service impound lot, we’ll customize your policy to keep you protected.

  • How much does towing insurance cost in Texas?

    The cost of towing insurance in Texas varies based on your fleet size, driving records, claims history, and coverage limits. Small towing operations may pay less, while larger fleets or high-risk areas may require higher premiums. At DFG Insurance Solutions, we shop multiple insurance carriers to find the best balance of protection and price, so you never pay more than you need to.

  • Why do I need towing-specific insurance instead of regular commercial auto?

    Personal auto and even general commercial auto policies usually exclude coverage for towing operations. If an accident happens while transporting a customer vehicle, a personal or standard commercial auto policy won’t pay the claim. Towing-specific insurance ensures you’re covered for the unique risks of the towing industry — from damage to vehicles in transit to customer claims while cars are in your possession.

Keep Your Towing Business Moving

From roadside rescues to long hauls across Texas, your towing business deserves insurance that works as hard as you do. At DFG Insurance Solutions, we’ll design a towing insurance policy that protects your fleet, your employees, and your customers.

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