Tow Truck Insurance in Colorado & Utah
PUC-Compliant Coverage. Fast Quotes. Independent Expertise.
Whether you're running a roadside assistance business or managing a fleet of wreckers, Noco Insurance Advisors provides tailored tow truck insurance for operators across Colorado and Utah. From in-tow coverage to State filings, we have the knowledge and carrier access to keep your operation compliant and protected.
Core Coverage for Tow Truck Operators
Tow truck businesses face unique risks — we help you meet both state regulations and the coverage demands of your clients.
✔ Auto Liability
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Minimum Required: $750,000
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Common Requirement: $1,000,000
Auto liability covers bodily injury and property damage resulting from an at-fault accident while operating a tow vehicle. While the PUC minimum is $750k, most contracts require $1 million.
✔ Cargo / In-Tow Coverage (On-Hook)
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Typical Range: $50,000 – $100,000
Covers vehicles being towed in case of damage from an accident, collision, fire, or theft. Also called on-hook coverage, this is a must-have for tow truck operations
State Filing Requirements
We’re experts in state regulatory filings — ensuring you're fully compliant with PUC and DOT regulations in both Colorado and Utah.
Colorado Public Utilities Commission (PUC)
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Form E: Certifies your liability insurance meets state requirements
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Form H: Certifies your in-tow (cargo) coverage meets PUC standards
Utah Department of Transportation (UDOT)
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Similar requirements apply for commercial tow operators; we assist with all necessary filings and paperwork for fast approval.
Why Choose Noco Insurance Advisors?
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Licensed & Serving Colorado + Utah
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PUC Filing Experts – Form E & H submitted directly to the state
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Independent Agency – We quote multiple top carriers for the best rates
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Fast Turnaround – Get compliant and on the road quickly
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Local Support – Based in Loveland, CO with regional expertise
Let's Get You Covered
Don’t risk towing without proper protection. We’ll review your needs, file your forms, and help you secure the right policy — at the right price.
