Trucking and Towing Insurance in
Pennsylvania and Maryland
Specialized Coverage for the Long Haul and the Heavy Lift
Whether you are an owner-operator with one rig or you manage a fleet of tow trucks, your business faces risks that standard commercial policies won’t cover. At Kelly Glass Insurance, we specialize in the "heavy lifting" of insurance, providing custom policies for trucking and towing operations across Pennsylvania and Maryland.
Coverage Designed for the Road
Don't let an accident or a cargo claim stall your business. We offer a comprehensive suite of coverages tailored to your specific operations:
- Primary Auto Liability: Mandatory coverage that protects you if your truck is involved in an accident that causes injury or property damage.
- Motor Truck Cargo Insurance: Protects the goods you’re hauling—from general freight to specialized loads—against theft, fire, or transit damage.
- On-Hook Towing Insurance: Specifically for towing businesses, this covers damage to a vehicle while it is being towed or hauled.
Garagekeepers Legal Liability: Protects your customers' vehicles while they are parked or stored at your facility. - Physical Damage Coverage: Provides repair or replacement costs for your own trucks and trailers following a collision, fire, or vandalism.
- Non-Trucking Liability (Bobtail): Liability coverage for when your truck is being driven without a trailer or is not "under dispatch."
Do I need Cargo Insurance if I only tow vehicles?
Yes. While standard liability covers the damage your truck might do to others, it doesn't cover the value of the vehicle you are towing. For towing operations, you specifically need On-Hook Coverage to protect the customer’s vehicle while it’s in transit, and Garagekeepers to protect it while it’s in your lot.
What determines my trucking insurance premiums?
In Pennsylvania and Maryland, insurance carriers look at several factors:
- Your CDL Experience: Drivers with 2+ years of clean experience often see lower rates.
- Radius of Operation: Are you local (within 100 miles) or Long-Haul?
- Cargo Type: Hauling hazardous materials or high-value electronics carries higher risk than general dry van freight.
- Safety Scores: Your DOT/SAFETAT scores play a significant role in your eligibility for top-tier rates.
Does my trucking policy cover me for general liability?
Trucking insurance covers the "auto" portion of your risk, but it doesn't cover everything. We highly recommend pairing your policy with Business Liability Insurance to cover risks like a customer slipping at your terminal or a loading dock injury.
What types of trucks can be covered?
Commercial trucks such as tow trucks, tractor-trailers, garbage trucks, box trucks, flatbed trucks, and tank trucks should have specialized coverage.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we’re your neighbors in Pennsylvania.
- Business Coverage "Focusing on You" Reviews: You’re a person with a business, not a policy number. We work with you to review your coverage periodically.
- Claims Advocacy: If the unexpected happens, we’ve got your back. Access our 24/7 Carriers Directory. For additional, general claims process questions, call us at (717) 272-2242 to talk to an associate.