Roadside Assistance Insurance Coverage

Roadside assistance providers face unique hazards every day. From highway operations to heavy equipment handling, Harper Insurance understands the complex risks that roadside service businesses encounter while helping stranded motorists and commercial vehicles.

Our comprehensive roadside assistance insurance policies are specifically designed for towing companies, mobile mechanics, emergency road services, and vehicle recovery specialists. Whether you operate a single truck or manage a fleet of service vehicles, we provide tailored coverage solutions that protect your business, equipment, and drivers.

Essential Roadside Assistance Insurance Types

Commercial Auto Insurance

Comprehensive coverage for tow trucks, service vehicles, and recovery equipment. Includes liability protection, physical damage coverage, and specialized equipment coverage for hydraulic systems and towing apparatus.

General Liability Insurance

Protects against third-party injury and property damage claims arising from roadside operations. Essential coverage for customer injuries, bystander accidents, and property damage during service calls.

Garagekeepers Legal Liability

Critical protection for customer vehicles in your care, custody, and control. Covers damage to vehicles being towed, stored, or serviced, including theft, vandalism, and accidental damage.

On-Hook Towing Insurance

Specialized coverage for vehicles being transported or towed. Protects against damage occurring during loading, transport, and unloading operations, including cargo shifting and equipment failure incidents.

Workers' Compensation Insurance

Mandatory coverage for employee injuries in hazardous roadside environments. Covers medical expenses and lost wages for injuries from traffic accidents, equipment operation, and physical strain.

Commercial Property Insurance

Covers your business facility, office equipment, tools, and inventory. Includes protection for towing equipment, diagnostic tools, and spare parts against fire, theft, and vandalism.

Professional Liability Insurance

Protection against errors and omissions in roadside services. Covers claims arising from improper towing procedures, vehicle damage allegations, and service delivery disputes.

Motor Truck Cargo Insurance

Essential for businesses transporting customer property or vehicles. Covers loss or damage to items being transported, including personal belongings in customer vehicles.

Services We Cover

Emergency Towing Services
Comprehensive protection for accident recovery, breakdown towing, and emergency roadside response including highway and off-road recovery operations.

Mobile Mechanics & Repair
Specialized coverage for on-site automotive repair, battery services, tire changes, and mechanical troubleshooting performed at customer locations.

Heavy-Duty Recovery
Enhanced protection for commercial vehicle recovery, equipment transport, and specialized heavy-duty towing operations requiring advanced equipment and techniques.

Lockout & Key Services
Coverage for automotive locksmith services, key replacement, and emergency entry services provided as part of roadside assistance operations.

Fuel Delivery Services
Protection for emergency fuel delivery, fluid services, and on-site automotive fluid replacement provided to stranded motorists.

Jump Start & Battery Services
Coverage for electrical system services, battery replacement, and emergency starting assistance provided at customer locations.

Roadside Assistance Risk Factors

Traffic & Highway Hazards
Working alongside moving traffic creates constant exposure to vehicle strikes, driver injuries, and equipment damage from passing vehicles and adverse road conditions.

Equipment & Vehicle Risks
Tow truck accidents, hydraulic system failures, and equipment breakdowns that can cause significant property damage and business interruption during service calls.

Customer Vehicle Damage
Risks of damaging customer vehicles during towing, loading, or transport operations, leading to expensive repair costs and customer disputes.

Workplace Safety Exposures
Employee injuries from heavy lifting, equipment operation, traffic exposure, and working in adverse weather conditions during emergency calls.

Professional Service Risks
Allegations of improper service procedures, overcharging, unauthorized towing, or failure to provide contracted roadside assistance services.

Storage & Premises Liability
Risks associated with vehicle storage facilities, customer property security, and premises-related accidents at your business location.

Get Your Roadside Assistance Insurance Quote

Protect your roadside service business with comprehensive coverage designed for your industry. Our experienced agents understand roadside assistance risks and will work with you to build a protection plan that covers your specific operations, vehicles, and exposures.

Key Benefits of Working with Harper:

• Specialized roadside service expertise
• Competitive fleet insurance solutions
• DOT compliance guidance
• Rapid claims processing and support
• Coverage that adapts to your operations

Ready to protect your roadside assistance business? Contact Harper Insurance today for a comprehensive quote tailored to your service operations and fleet requirements.