Where To Get Roadside Assistance Insurance | How To Grow My Roadside Business | Mr.Quickpick

Looking for roadside assistance business insurance is on of the biggest hurdles in the roadside assistance game. This video will inform you of where and what to look for when shopping for your own insurance.

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In the roadside assistance business, insurance is the hardest things to attain and one of the most important things for your business to have. Having the correct insurance will save you from any unwanted accidents & lawsuits, it will also enable you to attain more contracts, as many contracts have a minimum insurance requirement.

There are two or three types of insurance you will be expected to have, based on the contracts you hold.
1. General Liability – 100,000 – 1,000,000
2. Garage Keepers/on Hook – 50,000 – 500,000
3. Commercial Auto Insurance – 100,000 – 1,000,000

Agents & underwriters decide what you pay based on 3 criteria. Knowing the criteria will give you the best shot at attaining affordable insurance
1. Driving Record – how long and how many points you have on record
2. Experience in Business – Prior Exp, past jobs, background, etc.
3. Projected Revenues – How much you expect to make.

A bad driving record means that you will most likely be a liability to an insurance company so make sure to have a good driving record and if you don’t, get it right before you apply. A few instances such as a speeding ticket can mean the difference in paying $70 per month vs $150-200 per month.

Experience is also a factor. If a 10-year truck driver who worked for X company for 10+ years now wants to enter business themselves, many underwriters won’t have an issue writing the policy as long as a good driving record is attained. Now, you put someone that has 3 months Exp and wants to do the same, an underwriter may consider higher premiums or may not be willing to write the policy at all, due to lack of experience.

Revenue is another factor. If you expect to make 200,000 in your first year you can expect your insurance to be higher than if you expect to make 50k your fits year etc. Vice Versa.

How Underwriters Collect Info

Underwriters will typically send you information packets where you will provide this information along with other personal info. Be weary of your answers and always be truthful. Any deception can void a claim if the insurance company decides to audit, avoid this at all costs.

Where to Attain Coverage

Once you find that you have the best odds of getting a low premium. You will want to know where to get insurance. If you don’t have commercial insurance already be sure to call your insurance agent and tell him you want to ensure a commercial vehicle used for business and they will do a good job of giving you some options. Be sure to shop around and get several quotes before you make your decisions as premiums from company to company can differ drastically.

For general liability and garage keeper’s insurance you can also ask your agent but if he leads you astray, you can visit these links, enter your zip code and ask about their commercial insurance policies.

We recommend EMC insurance; they are one of the main underwriters for this industry.
You can go to their website at and find a local agent who is licensed in your area.

If none of these insurance companies are underwriting at the time, try in a month or so after. Insurance companies mitigate risk. This means that they have limits on how much risk they are willing to undertake during a time period. Risk is mitigated all the time. This means that one month, a company may be able to offer you a quote but next month that same company won’t. Use this to your advantage and know that just because one company said no doesn’t meant the next will.


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