A Guide to Tow Truck Insurance in Canada

According to Doug Nelson, Executive Director of the Provincial Towing Association of Ontario, there are more than 1,200 tow trucks operating in the province. There are thousands more spread across the rest of the country.

Auto body shops and mechanics, roadside service providers, tow truck companies and vehicle salvagers are just a few of the individuals that will need tow truck insurance. You can add auto association contractors, full service gas stations and auction haulers to that list also. It doesn’t matter why you own your tow truck – it needs to be insured. Use the following guide to learn about towing insurance products in Canada.

Ontario is working towards creating a Towing Industry Council that would oversee the industry and make sure that its members followed a code of ethics. It would be responsible to a board of directors. If this Bill is passed then you will need to register with the council to be able to run a tow truck business in the province.

At this time there is no special insurance or any certification required to operate a tow truck. In Ontario, all that is required is a valid driver’s licence and the purchase of a tow truck.

Companies Providing Tow Truck Insurance

  • Most of Canada’s top auto insurance companies provide coverage for tow trucks. Review this list to find one that carries towing insurance.
  • Independent Garage & Towing Contractors Service (IGTC) Inc. provides insurance for towing businesses across the United States. They are based in Buffalo, New York. Their coverage is provided by Markel Insurance and IGTC.
  • Progressive Commercial provides full service towing insurance products in the United States. However, they do not offer coverage for tow truck companies that are earning more than a quarter of their revenue from work related to repossession.

Types of Tow Trucks in Canada

There are five common types of tow trucks in Canada: wheel-lift, hook and chain, boom, integrated and flatbed. Each vehicle is used for a different purpose and will haul different types and sizes of vehicle.

There are a number of companies that produce tow trucks for the Canadian market. They include GMC, Dodge, Ford, Freightliner, International and Sterling to name a few. If you’re looking to buy a tow truck in Canada then you should visit the websites of Canadian Towing Equipment, Northern Alberta Tow Truck Sales, Freightliner and Commercial Truck Equipment. They are all good resources if you are interested in learning about new and used tow trucks and equipment in Canada.

Tow Trucks

Ernest Holmes built the first tow truck in 1916. The Chattanooga, Tennessee resident developed the truck after needing to pull a vehicle out of a nearby creek. They used ropes, blocks and six men to recover the vehicle. The International Towing and Recovery Hall of Fame and Museum is based in Chattanooga and features some of the early tow trucks developed by Holmes and his team.

For information about standard auto insurance policies click here.