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National Interstate Products

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GENERAL COMMERCIAL & TRANSPORTATION

Learn About All Our Offerings

Expertise

We do more than deliver great transportation insurance. Our trusted team is stacked with product design, claims and loss control professionals who use their in-depth knowledge and thought leadership to help advance the industry - and our customers' outcomes.

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How We Do More

Insurance is a top expense for most commercial companies. It shouldn't be a top frustration too. We work hard every day to shift that paradigm.…

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Creative Solutions

We understand that no two businesses are the same. That's why we offer a wide range of products designed to cater to your specific insurance…

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Claims

To successfully navigate the challenges presented by commercial transportation claims and litigation, you need an experienced team behind you. And…

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Loss Control

Effective risk management is critical to ensuring the success of your business. Our loss control team uses a proactive and collaborative approach,…

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Tow Truck Insurance

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Tow Truck Insurance

CONTACT OUR TEAM

We Know Tow

Since 2004, National Interstate has offered creative insurance solutions specific to towing operations. Our tow truck program is designed for fleet operations of 15 or more power units and offers solutions for a range of different towing operations, including:

  • Wreckers
  • Tow Trucks
  • Heavy-duty Towing and Recovery Units
  • Equipment Hauling Operators
  • Flatbeds and Rollbacks
  • Tractors

Our commitment to knowledge and dedication to strong relationships means we don’t just offer the best available insurance solutions – we also get to know our tow operators and learn what’s most important to them. 

To best serve their insurance needs, we utilize a national open-broker distribution and offer a wide range of program options, including TowCap Premier℠ - the only group rental captive designed specifically for best in-class tow truck operators.

We are also proud to sponsor the Best in Tow Program, created to recognize towing and recovery specialists who achieve best-in-class safety performance.

Insurance Coverages for Tow Trucks

  • Automobile Liability
  • General Liability
  • Garagekeepers Legal Liability
  • Excess Liability
  • Auto Physical Damage
  • On-Hook/Cargo
  • Property & Inland Marine
  • Workers’ Compensation

We provide a variety of payment options, including interest-free installment plans.

 

Insurance Options to Fit Your Needs

View our range of program offerings based upon your risk tolerance and fleet size.

First Dollar
First dollar insurance, often called guaranteed cost, may be the right solution if you prefer to transfer all of your risk to the insurance company.

Deductible Options
If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you. We offer a range of deductible sizes to fit your needs.

Group Captive

Make insurance work for you by joining TowCap Premier, our group rental captive program designed specifically for best-in-class tow truck operators.  Managed and underwritten by National Interstate, our group captive members share in risk, but also in potential financial returns made possible by deep commitments to safety, accountability, and sharing of best practices.  Our group rental captives offer collateral friendly terms with no upfront capitalization.

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures. 

TowCap Premier℠

Established in 2017, TowCap Premier is our group rental captive for tow truck operators who take pride in their safety culture and want to actively manage their cost of risk.   Membership benefits include earning potential financial returns and the ability to network with and learn from peers and National Interstate executives at bi-annual business meetings.

  • Membership: 35+
  • $50,000 retention

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures.

Large Account Customization

Our dedicated team is known for structuring highly creative and sophisticated risk-financing solutions for large fleets. Unique solutions include single large account rental or member-owned captives, large deductibles or other creative program structures tailored to fit the specific risk profile.

Learn more about the unique advantages of National Interstate’s large account customization and our other creative risk structures.

First dollar insurance, often called guaranteed cost, may be the right solution if you prefer to transfer all of your risk to the insurance company.

If you are looking to lower your upfront premium cost and take on a limited amount of risk, a deductible option may be right for you. We offer a range of deductible sizes to fit your needs.

Make insurance work for you by joining TowCap Premier, our group rental captive program designed specifically for best-in-class tow truck operators.  Managed and underwritten by National Interstate, our group captive members share in risk, but also in potential financial returns made possible by deep commitments to safety, accountability, and sharing of best practices.  Our group rental captives offer collateral friendly terms with no upfront capitalization.

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures. 

Established in 2017, TowCap Premier is our group rental captive for tow truck operators who take pride in their safety culture and want to actively manage their cost of risk.   Membership benefits include earning potential financial returns and the ability to network with and learn from peers and National Interstate executives at bi-annual business meetings.

  • Membership: 35+
  • $50,000 retention

Learn more about the unique advantages of National Interstate’s group captives and our other creative risk structures.

Our dedicated team is known for structuring highly creative and sophisticated risk-financing solutions for large fleets. Unique solutions include single large account rental or member-owned captives, large deductibles or other creative program structures tailored to fit the specific risk profile.

Learn more about the unique advantages of National Interstate’s large account customization and our other creative risk structures.

More Than Just a Policy

Exceptional financial strength. Data-driven technology. Proactive safety advice. Highly skilled claims experts. These are just a few ways we provide exceptional value beyond the policy, especially when you need us most.

How We Do More

Our Industry Presence

National Interstate is the market leader

“In an archaic industry, National Interstate is the market leader in innovation and product development. TowCap Premier has stabilized my costs and the closed pool of elite insureds gives me a high degree of confidence that my costs will remain stable.”
George Bashaw Allied Towing of Tulsa

INDUSTRY AFFILIATIONS

Articles and Resources

Read more from our team about best practices, industry insights and relevant program information.

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TELEMATICS

It's no secret that one of the riskiest parts of your employees' jobs is when they are on the road driving. In fact, in the last decade,…

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RISK FINANCING 101

It is not unusual to hear one confidently proclaim, 'Safety is job #1!' But is it really? After all, to be truly safe means avoiding any…

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RE-ENGINEERING RETENTION

Of the most common topics in the workplace is recruiting and retention, especially today. This is for good reason as many leaders may feel like they…

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CONTACT US

Please reach out if you are interested in connecting with a Tow Truck team member to learn more!

Contact Our Team

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