Table of contents
Traffic accidents in California are becoming more deadly. In 2022, 312 people were killed in car crashes, according to the Los Angeles Times. This is the highest rate of deaths in the past 20 years.
The danger of severe accidents is prevalent in the tow truck business as well. In this era of accidents for tow truck businesses, finding a good tow truck insurance policy can help keep your workers safe and reduce their liabilities.
In this article, we will look at the answers to common questions and thoughts people have about California tow truck insurance, including:
Definition of tow truck insurance
What policies are included
How much premiums cost
The best companies for California tow truck insurance
Commercial tow truck insurance policies in California include several options catering to the unique challenges of driving a tow truck. These insurance packages consist of:
Commercial auto insurance
General liability insurance
Professional liability insurance
Garage keeper’s liability insurance
Tools and equipment insurance
On-Hook Towing Insurance
Commercial property insurance
Business owner’s policy
These insurance policy options will be explained further in their own sections. They are each important to keeping your trucks running and avoiding expensive pitfalls that risks might bring.
Tow Trucks require a commercial auto insurance policy with limits that reach a minimum coverage. This coverage varies depending on the situation.
| Per Person | Bodily Injury per Accident | Property Damage |
|---|---|---|
| Minimum $15,000 | Minimum $30,000 | Minimum $5,000 |
While these are the minimum requirements set forth by the California DMV, it is a good idea to try to get the best limits possible. Tow trucks carry a higher inherent risk than other types
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
General liability insurance is an essential component of California tow truck insurance. This policy covers damage to customer property, body injuries, and personal injury claims by third parties. It is sometimes required to get a lease or contract. Use the table above to see which insurance company offers the best general liability insurance for tow trucks in California.
The common amount of coverage for general liability insurance is around $1 million-$2 million. You can use this to pay for the claimant’s medical expenses and financial losses. The policy is also designed to cover your attorney fees, investigation fees, and other legal expenses.
Example situations where this insurance would apply include:
Your tow truck’s brake gets faulty and causes the vehicle to smash on parked cars
If a tow truck damages customer property, like when loading or unloading their car
Your tow truck crashes on a building by accident
While the cost of insuring your trucks will dig into your potential profits, you will actually be saving money with the right policy. Tow truck companies usually see around a 70% profit margin after purchasing general liability and other types of business insurance.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Yes | No |
| Deductible | $500 | $500 | $500 | $500 | $500 |
Professional liability policies cover any errors or omissions that your tow truck drivers make during their job. Perils covered under this policy are negligence, failure to transport a load in good condition, overcharging for one’s services, and misleading advertisement. Limits on professional liability insurance will vary between $250,000 and $2 million. Use the table above to see which insurance company offers the best professional liability insurance for tow trucks.
Here are some of the situations where this insurance can help your tow trucking business in California:
If your worker is unable to show up to a call, you might need to cover expenses if the client decides to sue you
A tow truck driver delivers a car to the wrong address, opening you to liabilities
A booking mistake costs a client lost time and causes them to be injured. Professional liability may help cover the costs related to this
Get all the best quotes from leading providers in a click of a button!
| NEXT | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
Tools and equipment insurance is an insurance policy that covers possible damages or theft of tow trucking tools and equipment as caused by fire, theft, vandalism, lightning, and other covered perils. Some situations where you might use this coverage include:
If a tow truck driver’s air pump is damaged or stolen, this policy could help cover the costs of replacing it
If your tow truck’s wench is damaged by lightning, this can cover the cost of replacement and installation
Coverage limits for tools and equipment are usually covered for any movable item that is under $10,000. It can also replace the cost of borrowed gear if you loan out a piece of equipment. Use the table above to see which insurance company offers the best tools and equipment insurance for tow trucks in California.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property insurance protects your business inventory, goods, gear, and buildings. Perils covered are fire, theft, vandalism, lightning, sinkhole collapse, sprinkler leakage, riot, and volcanic action.
Policy limits for commercial property insurance will depend on how much you are willing to pay. Typically you might see a hundred thousand dollars in coverage limits for a decent-sized policy. Use the table above to see which insurance company offers the best commercial property insurance for tow trucks in California.
You can use this coverage when:
Your building catches on fire, damaging your vehicle bay. Commercial property insurance would help cover necessary repairs to get your vehicle bay back in working order
Someone breaks into your commercial building and causes damage to your towing equipment
Your tow trucking business’s air condition busted. Commercial property insurance can be used to cover its replacement
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $320,000 | $25,000/$500,000 | $35,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business owner’s policy combines commercial property insurance and general liability coverage into one. This allows you to get the best of both worlds. Business owner’s policy insurance is good for small to mid-sized tow truck businesses, while a higher-risk company may need separate policies. Examples of when you can use this policy include:
If debris falls onto your tow truck while it is in a garage, the business owner’s policy will help cover the damages
Your tow truck causes some injuries during a loading operation. Business owner’s policy can cover the victim’s medical expenses
Your tow truck business’s office is damaged during a storm. Business owner’s policy can cover the cost of repairing the windows, roof, or any other structure
Because a business owner’s policy has several different policy options and add-ons available, the coverage options may vary widely. It can be as low as $300,000 or as high as $4 million. Use the table above to see which insurance company offers the best business owner’s policy for tow trucks in California.
Commercial auto insurance will include coverage for things like medical bills and property damage during a toW truck accident. It will also cover physical damage to your vehicle. The components of commercial auto insurance for tow trucks are listed below.
Auto liability covers damages that your tow trucks cause to others’ bodies and their property. Tow truck insurance in California uses auto liability coverage to ensure that tow trucking businesses meet their responsibility for accidents involving the public.
Any medical expenses that you or your passengers incur while riding the tow truck. This can include things like getting into an accident that injures your driver, customers, or both.
Comprehensive covers the cost to repair or replace your vehicle for practically anything but a collision. This includes things like falling rocks, fires, and vandalism. This coverage is optional in California based on California Department of Insurance guidelines.
Collision refers to any damage your vehicle sustains in an accident that needs to be covered. A collision insurance policy would help pay to repair costs that result from a collision with another non-stationary vehicle.
Roadside assistance covers the costs to schedule and pay for assistance if your tow truck becomes stranded on the roadways. This can be an invaluable option for helping get your tow trucks up and running quickly after an unfortunate breakdown.
If you get into an accident with a motorist who does not have insurance or lacks enough to pay for the damages, this insurance kicks in to help cover the gap.
Garage keepers liability offers coverage for when a tow truck owner keeps customer vehicles at a business location for storage, repairs, or another business-related function. This insurance option protects against things like vandalism, theft, storms, and fire. The coverage limits will vary depending on your policy. However, it typically maxes out at $2,500 per occurrence.
Garage liability insurance protects business property from liability that occurs during normal garage operations. It includes costs from bodily injury or property damage.
Garage keeper’s liability insurance covers customer vehicles that are in the process of being stored or repaired. Garage keeper’s insurance is an add-on policy that tow truck owners will want since they will have customer vehicles parked in their shop or garage.
On-hook towing insurance covers just what it sounds like. If a vehicle you don’t own is damaged during the ordinary course of business, it will help repair or replace that vehicle. Situations where this policy can be used, are listed below.
A customer’s vehicle is damaged in an on-road collision while in your care. On-hook towing insurance can help you not have to pay to repair or replace it out of pocket
While you are loading a customer’s vehicle, it gets caught in a fire and is severely damaged
Typical policy limits for on-hook towing are $15,000. You will often see around a $500 deductible for this policy limit, but it will vary by policy.
On-hook coverage covers loaded vehicles into a tow truck. On the other, hand cargo insurance covers anything from loaded cargo to personal items carried through a tow truck. Cargo insurance is comprehensive.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $148 | $1,776 | $0-$500 |
| Professional liability insurance | $151 | $1,812 | $500-$1,000 |
| Commercial property insurance | $170 | $2,040 | $1,000-$2,000 |
| Business owner’s policy | $310 | $3,720 | $1,500 |
| Tools and equipment insurance | $158 | $1,896 | $500-$1,000 |
| Oh-hook towing insurance | $350 | $4,200 | $500-$1,000 |
| Garage keeper’s liability insurance | $159 | $1,908 | $500-$1,000 |
| Commercial auto insurance | $200 | $2,400 | $500-$1,000 |
California tow truck insurance is $148 per month or $1,776 per year for a $1 million general liability coverage. Factors that might affect your actual rates are location, business history, claims history, revenue, location, and number of employees. Here’s a table showing the rates of the recommended carriers:
| Cost per Month | Cost per Month | Best For | |
|---|---|---|---|
| NEXT | $40 | $480 | Best overall; Fastest general liability insurance for tow trucking businesses in California |
| CoverWallet | $49 | $588 | Comparing California tow truck insurance quotes online |
| The Hartford | $60 | $720 | Coverage for high-risk tow trucking businesses |
| Thimble | $70 | $840 | Short-term tow trucking insurance |
| Tivly | $80 | $960 | Comparing California tow truck insurance quotes over the phone |
| Hiscox | $89 | $1,068 | Risk protection |
Get all the best quotes from leading providers in a click of a button!
Tow truck insurance in California is loaded with different insurance companies, all vying for your business. To help you sort through the right insurance policy for you, we have reviewed each of the best companies below. Read to know their pros, cons, and rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT Insurance is a bit newer on the scene, having only been founded in 2016, but they offer a competitive policy offering for tow truck insurance. They are also headquartered in California, giving them an edge in the market there.
They have commercial auto, general liability, professional liability, tools & equipment, and business policy options for your tow truck business. They are lacking some of the finer policies like on-hook coverage and garage holder liability.
Best for: Best overall; Fastest general liability insurance for tow trucking businesses in California
Average cost: $40 per month
Our rating: 10/10
Lots of options
Small business focus
Great resource list
Accident forgiveness has to be earned
The Hartford is an insurance industry leader that was founded in 1810. They have an A+ rating from AM Best and claim to serve over one million small businesses.
They offer some of the best options for tow truck owners. They have bodily injury, property damage, collision coverage, comprehensive coverage, medical payments, rental car, business owner’s policy, professional liability, and general liability insurance options. On top of this, they offer deeper customization that will work with your specific business needs for more policy options.
Best for: Coverage for high-risk tow trucking businesses
Average cost: $60 per month
Our rating: 10/10
Variety of coverage through partners
Online dashboard to track everything
East to generate quotes
Need to call to get a quote
CoverWallet is a digital marketplace where you can compare different tow truck insurance quotes between top insurance providers. They have an A+ rating from the Better Business Bureau.
The advantage of choosing CoverWallet is getting a quote in minutes for various policy options. This is further helped by their 24/7 policy experts, that can help you choose the right policy.
Best for: Comparing California tow truck insurance quotes online
Average cost: $49 per month
Our rating: 10/10
Helps connect customers with insurers
Quotes are easy and quick
Lots of partners to choose from
Doesn’t write policies
Another excellent option for California tow truck owners is Tivly. They are an insurance platform with over 200 partners that allows you to compare their most competitive quotes. You can get quotes quickly to get on your way to a certificate of insurance. Call a representative now to compare quotes over the phone.
They have a good selection of options, including professional liability, general liability, commercial property, commercial auto, and business owner’s policy. They also have business insurance specifically geared toward California.
Best for: Comparing California tow truck insurance quotes over the phone
Average cost: $80 per month
Our rating: 10/10
Knowledgeable team
Highly reviewed
Detailed online resources make picking coverage easier
Online-only support
Thimble is a notable insurance seller for their high customer reviews and A rating from AM Best. They are highly experienced and offer policies for 300 professions. 75% of their customers are first-time buyers.
Tow truck policyholders will be excited to find and offer a variety of policies like general liability, collision, and comprehensive that can be further customized with state-specific coverages that will automatically make you compliant with California law.
Best for: Short-term tow trucking insurance
Average cost: $70 per month
Our rating: 10/10
14-day refund policy
Works with you to reduce risk
Bundle discounts for multiple products
Their business owner’s policy is heavily geared toward small businesses to the detriment of other businesses.
Hiscox has many options that are crucial to a good tow truck insurance policy. They have tailored insurance with options like commercial auto, business owners, professional liability, general liability, and many more.
They are trustworthy insurance purveyors, having been around since 1901 and having an A ranking from AM Best. They serve over 500,00 customers per year and are an international insurance group.
Best for: Risk protection
Average cost: $89 per month
Our rating: 10/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Highest level of plan and customer service
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
