Effective Date: January 1, 2026
1800AUTOTOW INC.
This Insurance Requirements Addendum ("Addendum") is incorporated into and made part of the Tow Service Provider Agreement between 1800AUTOTOW INC. ("Company") and the towing service provider ("Provider").
Provider must maintain all insurance coverage specified in this Addendum as a condition of Platform access. Failure to maintain required coverage will result in immediate suspension.
Provider shall obtain and maintain, at Provider's sole cost and expense, the following insurance coverage with minimum limits as specified:
| Coverage Type | Minimum Limit | Required For |
|---|---|---|
| Commercial Auto Liability | $1,000,000 CSL | All Providers |
| On-Hook/Cargo Coverage | $100,000 per vehicle | All Providers |
| Garage Keepers Legal Liability | $100,000 per location | If storing vehicles |
| General Liability | $1,000,000 per occurrence | All Providers |
| General Liability (Aggregate) | $2,000,000 aggregate | All Providers |
| Workers' Compensation | Statutory Limits | If employees |
| Employer's Liability | $500,000 per accident | If employees |
| Umbrella/Excess Liability | $1,000,000 | Recommended |
CSL = Combined Single Limit
Covers bodily injury and property damage arising from the ownership, maintenance, or use of tow trucks and service vehicles. Must include:
Covers damage to customer vehicles while being towed, transported, or otherwise in Provider's care, custody, or control. Coverage must apply:
Required if Provider stores customer vehicles at any location. Covers damage to customer vehicles while stored, including:
Covers third-party bodily injury and property damage claims arising from Provider's business operations, including:
Required if Provider has any employees. Must comply with statutory requirements in all states where Provider operates. Sole proprietors and owner-operators without employees may provide a signed waiver form.
Provider shall name the following as Additional Insured on all required liability policies:
1800AUTOTOW INC.
Bald Eagle Drive
Marco Island, FL 33415
The Additional Insured endorsement must:
Provider must upload valid Certificates of Insurance (COI) through the Provider Dashboard before accessing the Platform. Certificates must:
WARNING: Operating without valid insurance is a violation of law and this Agreement.
Provider's Platform access will be automatically suspended if:
To reinstate Platform access after suspension:
Reinstatement is not guaranteed and may be subject to additional review.
Provider must notify 1800AUTOTOW INC. within 24 hours of any incident that may result in a claim, including:
Report incidents to: claims@1800autotow.com
Provider agrees to indemnify and hold harmless 1800AUTOTOW INC. from any claims, damages, or expenses arising from:
The requirements in this Addendum are minimum requirements. Provider must also comply with all state and local insurance requirements, which may exceed these minimums. Provider is solely responsible for determining applicable requirements in each jurisdiction where Provider operates.
Common state-specific requirements include:
1800AUTOTOW INC. DOES NOT PROVIDE INSURANCE ADVICE. The requirements in this Addendum are for the protection of 1800AUTOTOW INC. and its customers. Provider should consult with a licensed insurance professional to ensure adequate coverage for Provider's specific operations and risk profile.
1800AUTOTOW INC. makes no representation that the minimum limits specified are sufficient to cover all potential claims or losses.
1800AUTOTOW INC. reserves the right to modify insurance requirements at any time with 60 days' notice to Providers. Continued use of the Platform after the effective date of modifications constitutes acceptance of the updated requirements.
For insurance-related questions or to submit documentation:
1800AUTOTOW INC.
Bald Eagle Drive
Marco Island, FL 33415
© 2026 1800AUTOTOW INC. All rights reserved.
