featured program
Insurance Built for
theTowing Industry
Our exclusive tow insurance program was designed specifically for contractors and fleet owners across all 50 states — with better rates, faster claims, and safety tools.
Join the Waitlist ➔ Schedule a Call ➔Coverage Built Around
Your Operation
The Affinity Risk Tow Program combines specialized insurance coverage with technology that helps operators run safer fleets, handle claims faster, and reduce costs — all in one place.
Our program gives operators a single source for coverage, compliance, analytics, and loss control.
INDEPENDENT BROKERAGE
AMTRUST BACKED
20%
REDUCTION IN LOSS COSTS
25%
FASTER CLAIMS INVESTIGATION
3,500+
ACTIVE POLICIES
50
STATES COVERED NATIONWIDE
30+
EXPERT TEAM
YEARS OF COMBINED
LEADERSHIP EXPERIENCE
WHY IT WORKS
Key Benefits
Lower Loss Costs
By using real driving data to inform how we price coverage, we're able to help operators pay less over time — not just at renewal, but by actually reducing the number and cost of claims.
Driver Safety & Retention
Drivers receive personalized coaching based on how they actually drive — helping them improve behind the wheel and giving operators the tools to build a safer, more reliable team.
Fraud Prevention
Camera-based video evidence reduces litigation risk and fraudulent claims — protecting operators from inflated settlements and keeping premiums competitive over time.
Faster Claims
When an incident happens, our system flags it automatically and gets the claims process started right away — so operators spend less time waiting and more time back on the road.
Contract Compliance
We make it easy to stay current with your contract requirements — so operators spend less time worrying about paperwork and more time focused on running their business.
Brand & Reliability Protection
Safer fleets and faster response times strengthen roadside reliability — making well-insured, compliant operators more competitive for contracts and long-term growth.
WHAT’S COVERED
Coverage Details
Commercial Auto
Coverage for your tow trucks and work vehicles — whether it's an accident, damage, or a liability claim from a third party.
On-Hook Liability
Covers damage to a customer's vehicle while it's being towed — something most standard auto policies leave out entirely.
Garage Keepers
If a customer's vehicle is damaged or stolen while it's on your lot, this coverage has you covered.
Workers' Compensation
Protection for your employees if they're injured on the job — with rates and coverage shaped around the realities of towing work.
General Liability
Covers third-party injuries or property damage that happen in connection with your tow yard or roadside work.
Repossession Coverage
Specialized coverage for repo operators — built around the unique risks that come with vehicle repossession work.
THE TEAM BEHIND IT
Who We Are
Available Nationwide
Our program is open to any tow operator or fleet owner across all 50 states — independent operators, multi-truck fleets, and everyone in between. No exclusions, no limitations by region.
Insurance and Technology Together
We don't just sell a policy and move on. Our coverage comes with tools that help you run a safer operation, handle claims more easily, and stay on top of what your business needs.
Built for This Industry
We built this program because towing operators have unique needs that generic insurance doesn't address well. Everything here — the coverage, the tools, the service — was designed with tow operators in mind.
A Team with Real Experience
Our leadership has decades of experience in commercial insurance and specialty programs. We've been here before — and we know what it takes to build something that actually works at scale.
NOW ENROLLING - 2026