Roadside Assistance Business Insurance (commercial insurance coverage)
Why Insurance Matters
Insurance is one of the hardest parts of starting roadside — and one of the most important.
You need insurance to:
Protect yourself from liability
Work with motor clubs like AAA and Agero
Get approved for contracts
Without proper insurance, most motor clubs will deny your application.
Required Insurance Types
Depending on the contracts you hold, you’ll usually need:
General Liability Insurance
$1,000,000 – $2,000,000
Garage Keepers / On-Hook Coverage
$50,000 – $500,000
Commercial Auto Insurance
$100,000 – $1,000,000
These cover damage, accidents, and liability while working roadside jobs.
How Insurance Companies Decide Your Price
Underwriters mainly look at three things:
1. Driving Record
How long you’ve been driving
Tickets or points on your record
Even one speeding ticket can double your monthly premium.
2. Experience
Prior driving or roadside experience
Work history in similar fields
More experience = lower risk = better rates.
3. Projected Revenue
How much you expect to make
Higher projected revenue = higher insurance cost.
Example:
$50,000/year → lower premium
$200,000/year → higher premium
Be Honest on Applications
Insurance companies will send forms asking for:
Driving history
Experience
Expected income
⚠️ Always tell the truth.
If they audit you later and find false info, they can deny claims or cancel coverage.
Where to Get Insurance
Start with:
Your current insurance agent
Tell them you need commercial coverage for roadside assistance.
Always:
Get multiple quotes
Compare prices
Reapply later if denied
Insurance companies manage risk monthly.
A “no” today could be a “yes” next month.
Companies that offer roadside assistance commercial insurance
These insurance companies offer insurance to roadside assistance companies.
Certificate of Insurance (COI) – Explained Simply
A COI (Certificate of Insurance) is proof of coverage.
Motor clubs require this before activating you.
If you show your insurance agent a sample COI and say:
“I need this exact coverage for roadside assistance”
You’ll be approved for most motor club contracts.
⚠️ This coverage example is for roadside only, not towing.