On-Hook Towing

This coverage will pay to repair or replace a vehicle you don’t own if it is damaged by a collision, fire, theft, vandalism or explosion while you are towing or hauling.

Businesses that offer various towing services require On-Hook Towing insurance to protect them while they’re hauling vehicles owned by a customer or someone else.

Limits & Deductibles

With On-Hook Towing insurance, you must select both a limits and a deductible. The limit is the maximum total amount paid, per occurrence, for damage done to all vehicles involved in a claim. The deductible is the amount you will pay out of pocket, per occurrence, for repairs or replacement of the damaged vehicle before your insurance coverage begins to pay.

Exceptions and restrictions

To be eligible for On-Hook Towing insurance, you must purchase liability insurance first. If one towing vehicle has On-Hook Towing insurance, all towing vehicles insured on the same policy are required to have On-Hook Towing insurance with the same limits.

Businesses Eligible for On-Hook Towing Coverage:

• Towing or service station services
• Trucking for hire, when hauling vehicles not owned by the insured On-hook towing insurance is only available for towing certain vehicle types.

Businesses Not Eligible for On-Hook Towing Coverage:

• Towing your car behind your mobile home
• Transporting your own vehicles or vehicles owned by your business