Reduced rates in AZ, IA, IL, In, KS, MN, NE, OR, WI. Arrowhead provides insurance for towing businesses through our Automotive Aftermarket Program (formerly Universal Underwriters). This product provides coverage for established operations with industry experience primarily engaged in towing automobiles. This can include auto club contractors, auto body shops, auto mechanical repair shops, roadside service providers and rotational towing operations.

Target Market

Operations engaged primarily in towing automobiles.

  • Operations running a loss ratio of 40% or less over a five-year period
  • Experienced drivers 25-years-of-age or older with clear driving records
  • Trained drivers (Wreckmaster certification or state association training preferred)
  • Towing radius of less than 300 miles
  • Total liability limits of $2 million or less (higher limits may be available)


Coverage Highlights


  • Building Replacement
  • Contents (Stock and Equipment)
  • Equipment Breakdown
  • Business Interruption and Extra Expense
  • Broad Coverage Extension endorsement
  • Automobile Liability


  • Money and Securities
  • Employee Dishonesty
  • Forgery and Alteration

General Liability

  • Products & Completed Operations
  • Personal & Advertising Injury
  • Damage to Rented Premises
  • Employee Benefits Liability
  • Medical Expenses

Automobile Liability

  • Commercial Tow Trucks
  • Other Fleet/Business Vehicles
  • Garagekeepers Coverage
  • Cargo Pollution Liability

Inland Marine

  • Mobile Equipment Floater
  • Motor Truck Cargo Legal Liability
  • Electronic Data Processing Equipment
  • Business Income


Risk management solutions

  • Loss Prevention Services and Tools
  • Driver Selection and Training Programs
  • Employee Safety Handbook Development
  • Fleet Maintenance/Safety Programs
  • Loss Prevention Bulletins
  • On-Site Risk Engineering Visits
    • Identify property and premises hazards
    • Professional Insight into Towing Industry


Claims services

Claim services will be provided by Zurich, an expert in this industry for over 35 years. They offer loss prevention services and tools tailored for large and small businesses, experienced and professional adjusters who can respond to most claims within 48 hours, and on-the-spot check-writing authority to help get you back in business fast.



Request A Quote

Contact Arrowhead General Insurance Agency, Inc.