Commercial tow truck insurance is a type of business auto insurance designed specifically for companies that operate tow trucks. It covers various risks associated with towing vehicles, including accidents, damage to the towed vehicles, and injuries. Key coverages typically include liability insurance (for bodily injury and property damage you cause), physical damage (to your truck), on-hook coverage (for vehicles being towed), and garage keepers insurance (for customer vehicles in your care). It may also include medical payments and uninsured motorist coverage. This insurance is essential for towing services, roadside assistance providers, repair shops with towing services, and repossession companies.