Looking for Roadside Assistance Insurance?
Protect your roadside assistance business from towing accidents, vehicle damage claims, and liability. Harper Insure provides coverage for towing services, mobile mechanics, and emergency roadside providers—with fast certificates for motor club and municipal contracts.
What is Roadside Assistance Insurance?
Roadside assistance insurance covers the unique risks of towing and roadside services—damage to customer vehicles during towing, third-party liability, and on-the-job injuries. Coverage includes garage liability, garagekeepers, and on-hook towing insurance. Motor clubs, municipalities, and dispatch programs require proof of insurance before approving providers.
Garage Liability
Covers third-party bodily injury and property damage from your roadside operations, including accidents during service calls.
On-Hook Coverage
Protects customer vehicles while being towed, loaded, or transported. Essential coverage for any towing operation.
Garagekeepers Coverage
Covers customer vehicles stored at your facility from theft, vandalism, fire, or collision damage.
Commercial Auto
Covers your tow trucks, service vehicles, and equipment for collision, comprehensive, and liability.
Who Needs Roadside Assistance Insurance?
- Towing Companies : Companies providing light, medium, or heavy-duty towing services
- Roadside Assistance Providers : Businesses offering tire changes, jump starts, fuel delivery, and lockout services
- Mobile Mechanics : Mechanics providing on-site repair services
- Motor Club Contractors : Providers on AAA, Agero, or other motor club dispatch networks
- Recovery Services : Companies specializing in accident recovery and vehicle extraction
Why Harper?
Roadside Industry Expertise
We understand towing risks—traffic-side exposure, hookup mistakes, vehicle damage claims, and recovery incidents. Coverage aligned to your specific operations.
Fast Certificates for Contracts
Motor clubs like AAA require specific limits and endorsements. We deliver certificates quickly so you can get on dispatch lists faster.
Coverage for All Services
Whether you provide towing, tire changes, fuel delivery, lockouts, or mobile repair, we tailor coverage to what you actually do.
Competitive Rates
We work with carriers who specialize in towing and roadside to find coverage that fits your fleet size and service area.
Frequently Asked Questions
What insurance do I need for motor club contracts?
Motor clubs typically require garage liability, on-hook coverage, and commercial auto with specific limits. Harper Insure provides certificates formatted for AAA, Agero, and other motor club requirements.
Does on-hook coverage protect vehicles I'm towing?
Yes. On-hook coverage protects customer vehicles from the moment you hook up until delivery. Without it, you're liable for any damage during transport.
How fast can I get proof of insurance for dispatch programs?
Most clients receive certificates the same day. We understand motor club deadlines and format certificates to meet their specific requirements.