Commercial Insurance
On-Hook
Covers damage to customers’ vehicles while they’re being towed.
What It Is
On-hook coverage pays for damage to a customer’s vehicle while it’s attached to your tow truck or being transported. It’s designed for businesses that tow or haul customer vehicles.
What It Typically Covers
- Damage to a towed vehicle from a collision, overturn, or other covered cause
- Damage during loading and unloading, depending on the policy
Common Gaps to Watch For
- Your tow truck itself needs auto physical damage coverage.
- Liability to others in an accident needs auto liability.
- Vehicles stored at your lot after towing usually need garagekeepers.
- Limits per vehicle. Higher-value vehicles may exceed your limit.
Who Usually Needs It
Repair shops that tow, towing companies, and businesses that transport customer vehicles.
What Underwriters Consider
- Number and type of tow trucks
- Types of vehicles towed
- Driver experience
- Claims history
Questions to Ask
- What is my per-vehicle limit?
- Are loading and unloading covered?
- How does this work with my garagekeepers coverage?
- Am I covered for long-distance tows?
All coverage is subject to policy terms, conditions, and exclusions.
Last reviewed: November 1, 2026
If You Win, We Win.
Every business deserves an agent who understands its operation, represents it honestly, and stays engaged after the policy is bound.
Licensed in Illinois.