Free Calculator · Towing & Recovery Insurance
Your on-hook limit is a per-occurrence ceiling. Tow anything worth more, and the difference is yours. Enter three numbers and see your gap — in dollars, not adjectives.
Use real numbers from the last 90 days — the worst tow, not the average one.
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Enter your first name and email and your results appear right here — plus we'll email you a copy with the on-hook worksheet from our Tow Operator Submission Kit.
We'll also send a short series on the coverage traps that catch tow operators. Unsubscribe anytime. Educational only — does not amend coverage; refer to the policy and applicable law.
Your on-hook exposure
Illustrative estimate only — not a quote, not advice, and not a representation of coverage. Actual coverage is governed by the policy as issued.
On-hook (towing) coverage pays for damage to a customer's vehicle while it's attached to your truck. It carries its own per-occurrence limit, separate from your auto liability — and that limit was probably chosen years ago, when vehicles cost less than they do now.
The average new vehicle transaction price is now well past $45,000, and a single loaded pickup or European SUV clears $90,000 without trying. If your on-hook limit is $50,000 and the vehicle on the hook is worth $85,000, a total loss leaves $35,000 uncovered — and the vehicle's owner (or their carrier, by subrogation) will pursue your business for it.
Related: Towing & recovery insurance guide · Tow Operator Submission Kit · Impound Lot Exposure Calculator