Commercial Auto Insurance for Evergreen Park Tow Trucks

Every day can look different for tow truck operators in Evergreen Park, IL. One call might have you assisting a disabled vehicle on 95th Street, while the next could place you on the shoulder of I-57 with traffic passing at high speeds.

This level of risk underscores the importance of commercial auto insurance rather than a standard personal policy. The Martin Insurance Team can help review your coverage to ensure your business is properly protected.

Why Roadside Work Is Especially Dangerous

Tow truck operators often perform much of their work outside the vehicle. Loading a car during rush hour near busy intersections or responding to accidents on major highways puts you close to fast-moving traffic. Drivers may be distracted or fail to notice your truck in time, increasing the risk of accidents.

Illinois law, including Scott’s Law, requires drivers to slow down and move over for emergency and service vehicles. However, compliance is not guaranteed, which makes roadside work one of the most hazardous parts of the job. This is why carrying more than the minimum required coverage is strongly recommended.

Illinois Insurance Requirements for Tow Truck Operators

Under Illinois law, tow truck operators must meet specific insurance requirements before receiving a TW license plate. A certificate of insurance must show both auto liability and garage liability coverage with a minimum combined single limit of $500,000.

Operators are also required to carry at least $25,000 in on-hook coverage. If your business stores customers’ vehicles, you will also need at least $25,000 in garagekeepers coverage. Additionally, businesses with employees are generally required to carry workers’ compensation insurance.

The Importance of On-Hook Coverage

Standard commercial auto insurance covers damage to your tow truck, but does not cover vehicles you are transporting. If a customer’s vehicle is damaged while it is hooked to your truck, you could be responsible for the repair costs.

On-hook coverage helps protect your business in these situations. Without it, even a single incident could result in financial loss and damage your reputation with customers and referral partners.

Protect Your Tow Truck Business

Operating a tow truck business near Chicago comes with consistent risk exposure. Having the right insurance coverage can make a significant difference in protecting your business, your drivers, and your customers’ vehicles.

Contact the Martin Insurance Team today to review your policy and ensure your operation has the protection it needs.