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Towing Company Insurance

On-Hook, Garage Liability & Commercial Auto Coverage for Oregon Tow Truck Operators

About Towing Company Insurance

Towing companies in Oregon Coast face unique insurance needs — from on-hook liability for vehicles in tow to garage liability for vehicles stored at your facility. Standard commercial auto insurance rarely provides all the coverage a towing operation needs.

Gerald Ross Agency works with carriers that specialize in towing companies and roadside assistance businesses, helping tow truck operators find comprehensive coverage that protects their vehicles, their customers\' vehicles, and their business.

Gerald Ross Agency

Why Choose Gerald Ross Agency?

  • Independent agency — we work for you
  • Explore coverage options for your needs
  • Local Oregon Coast insurance guidance
  • Serving Oregon Coast since 1937
  • Help comparing coverage and policy terms
  • Personalized service and claims advocacy

What's Covered

On-Hook Liability

Covers damage to vehicles while they are being towed by your truck.

Garagekeepers Liability

Covers damage to customer vehicles stored at your facility.

Commercial Auto

Covers your tow trucks and other business vehicles for liability and physical damage.

General Liability

Covers third-party bodily injury and property damage claims not covered by commercial auto.

Workers\' Compensation

Covers medical expenses and lost wages for employees injured on the job.

Motor Truck Cargo

Covers cargo being transported in your vehicles.

Independent
Agency
Local
Oregon Coast
Choice
Coverage Options
Personal
Service

How to Get Coverage

Contact Us or Request a Quote

Call Gerald Ross Agency at (541) 469-3144 or submit an online quote request. Our agents will gather details about your business and coverage needs.

We Shop Multiple Carriers

As an independent agency, we compare rates from 50+ top-rated insurance carriers to find the best coverage at the most competitive price for your business.

Review Your Policy

We'll walk you through your coverage options, explain what's included, and help you choose the right policy limits and deductibles for your situation.

Ongoing Service & Claims Support

Our team is here for you throughout the life of your policy — for renewals, coverage changes, and claims advocacy when you need it most.

Get A Free Quote
Towing Company Insurance insurance Oregon

Frequently Asked Questions

Common questions about this coverage in Oregon.

What insurance does a towing company need?
Towing companies typically need on-hook liability, garagekeepers liability, commercial auto, general liability, and workers\' compensation insurance.
What is on-hook liability insurance?
On-hook liability insurance covers damage to vehicles while they are being towed by your truck. It is essential for towing companies and is not covered by standard commercial auto insurance.
What is garagekeepers liability insurance?
Garagekeepers liability insurance covers damage to customer vehicles stored at your facility, such as your impound lot or storage yard.
How much does towing company insurance cost in Oregon?
Premiums vary based on the number of trucks, types of towing performed, and coverage needs. Contact Gerald Ross Agency for a personalized quote.
Does commercial auto cover towing liability?
Commercial auto covers liability for accidents involving your tow trucks, but it does not cover damage to vehicles being towed (on-hook) or stored at your facility (garagekeepers). Separate policies are needed for those coverages.

Still have questions? Contact our team for help.

Get A Free Quote

Get in Touch

Ready to protect what matters most? Contact us today for a no-obligation insurance review. Our experienced agents are here to help you find the right coverage for your needs.

Bend, Oregon Old Mill District
BEND — SISTER AGENCY: INSURE PACIFIC
2843 NW Lolo Drive
Bend, OR 97703
Prineville, Oregon aerial view
PRINEVILLE — SISTER AGENCY: PRINEVILLE INSURANCE
220 NW Meadow Lakes Drive
Prineville, OR 97754

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