Who insures Tow trucks and repossession?
Tow trucks and repossession is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.
6 markets publicly write Tow trucks and repossession: Progressive Commercial, Prime Insurance Company, Trinity Underwriting Managers (TUMI), Amwins Underwriting, Trinity Underwriting Managers (TUMI), Amwins Underwriting, Arrowhead General Insurance Agency and others. 3 program administrators, 2 admitted carriers, 1 E&S carrier. 1 on admitted paper. 2 through surplus lines.
By Sam Alishahi, independent insurance broker
Who says they write it
From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.
| Market | What they say they write | Where | Paper | Source |
|---|---|---|---|---|
| Progressive Commercial Admitted carrier | Tow truck insurance policies with flexible coverage options, plus on-hook towing coverage; repossession is not mentioned. “we offer tow truck insurance policies with flexible coverage options and convenient benefits.” | not stated | not stated | progressivecommercial.com · read 2026-10-28 |
| Prime Insurance Company E&S carrier | Specialty liability coverage for towing operations and repossession companies, so garage, towing and repossession companies have full coverage; tow trucks, towing and repossession companies and tow truck drivers covered in most states. “Prime Insurance Company is a preferred provider of specialty liability insurance coverage for towing and repossession companies.” | all 50 states (towing/repossession liability); commercial auto in most states | Surplus lines | primeis.com · read 2026-10-28 |
| Trinity Underwriting Managers (TUMI), Amwins Underwriting Program administrator | Towing Insurance Program for professional, for-hire tow truck companies engaging in approved ancillary operations. “Insurance program for professional, for-hire tow truck companies engaging in approved ancillary operations” | most states | both | amwins.com · read 2026-10-28 |
| Trinity Underwriting Managers (TUMI), Amwins Underwriting Program administrator | Repossession Insurance Program for professional repossession contractors that work with banks, credit unions and other lenders. “An insurance program for professional repossession contractors” | AL, AR, AZ, CA, CO, DE, GA, MD, MS, NJ, OH, OR, PA, TX, VA, WA | Surplus lines | amwins.com · read 2026-10-28 |
| Arrowhead General Insurance Agency Program administrator | Towing program for established tow operations primarily engaged in towing automobiles, with automobile liability for commercial tow trucks, backed by an admitted carrier (AIG); repossession not mentioned. “Established tow operations primarily engaged in the towing of automobiles” | most states (excluding FL, HI, LA, NY and TX) | Admitted | arrowheadgrp.com · read 2026-10-28 |
| Lancer Insurance Company Admitted carrier | Tow truck insurance for flatbed, hook-and-chain and wheel-lift tow trucks including physical damage; repossession not mentioned. “At Lancer, we protect the essential vehicles tow operators use every day, including:” | CT, NJ, NY, PA | not stated | lancerinsurance.com · read 2026-10-28 |
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