California towing & roadside operators · 2 to 30 trucks
A rotation contract, a loaded wrecker and a full storage yard carry different risks. Glacier Point is an independent brokerage that brings them into one coverage conversation, from placement through renewal and claims support.
or call (925) 744-6553
Responses typically within one business day. No obligation. CA License #6008364.
Start an intake so we can see whether we can help. This form does not bind coverage.
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A broker will follow up about your fleet, contracts and next steps.
A Glacier Point broker will follow up by phone or email to discuss your operation and whether we can help.
The short answer
CHP 2026–27 Tow Service Agreement: auto liability minimums are $750,000 combined single limit for Class A and $1,000,000 for Classes B, C and D, including hired and non-owned autos. On-hook minimums are $50,000, $100,000, $200,000 and $250,000 for Classes A through D. Garage liability is at least $500,000. Garagekeepers must meet the matching on-hook minimum, with proof for every listed storage facility.
CHP rotation requires an admitted insurer. For California-based operators, the agreement calls for a California-admitted insurer. The policy must provide at least 30 days’ written notice to CHP before cancellation or expiration. A certificate alone does not change the policy. Source: CHP agreement, section 14.
Agero’s published minimums: commercial auto and general liability each range from $300,000 to $1,000,000 per occurrence. On-hook is $100,000 to $150,000. Garagekeepers is $100,000 to $150,000 when storing vehicles. Service, volume, client and state requirements can mean higher limits. Source: Agero insurance requirements.
Your rate depends on the trucks, drivers, contracts, territory, loss history and yard exposure. Meeting a contract minimum does not establish that the limit fits your operation.
Who we serve
Coverage, connected
The figures below are contract reference points, not an offer of coverage. Limits and deductibles need to match your operation. Availability depends on carrier underwriting.
CHP reference: $750,000 to $1,000,000 CSL
Review owned, hired and non-owned autos. If your contracts or exposure call for limits above $1,000,000, compare an excess layer and the policies it sits over. Higher limits are not automatic.
CHP reference: $50,000 to $250,000 by class
This addresses the vehicle in tow, subject to the policy. Check the highest vehicle value you move, loading and unloading terms, recovery work and deductibles.
CHP minimum: matching on-hook limit
Legal liability generally requires your legal responsibility for the damage. Direct primary can respond to a covered loss without establishing your negligence and before the customer’s insurance. Neither covers every loss. Compare deductibles and per-vehicle, per-loss and location limits.
CHP reference: at least $500,000 CSL
Review bodily injury and property damage arising from premises and operations. It is not a substitute for garagekeepers on customer vehicles. Repossession and private-property work need separate attention.
Truck values and deductibles set by schedule
Schedule each wrecker and rotator with its value and attached equipment. Compare the valuation basis, comprehensive and collision terms, and deductible for each unit. There is no single deductible that fits every fleet.
California classification 7227
WCIRB identifies towing, roadside assistance and freeway service patrol under class 7227. Payroll, duties and claims experience affect pricing. An advisory pure premium rate is not your insurer’s final rate. Source: WCIRB 2026 classification guidance.
When surplus lines are considered, those policies are placed with non-admitted insurers. They are not protected by California insurance guaranty funds and are placed only after a diligent search of admitted markets. CHP rotation requires an admitted insurer.
An advisor first. A broker second.
We review the fleet, contracts, yards and loss runs. We ask where the current program creates uncertainty and what changes are ahead.
We present the operation to underwriters and compare terms, limits and deductibles. Underwriting is a negotiation. We treat it like one.
We stay involved with policy changes, certificates, renewal planning and claims advocacy. We discuss safety practices and any dash-cam or telematics data you already use, including what an insurer is asking for and why.
What we need to get started
You do not need to upload documents to submit this intake. We’ll arrange a secure way to share them.
The 2026–27 agreement says failure to maintain its insurance minimums immediately nullifies the agreement and removes the operator from rotation. Additional disciplinary action can follow. Tell your broker about any cancellation or expiration notice promptly. Source: CHP Rotation Tow Program.
Do not assume it does. Damaged EV batteries can reignite after the original fire is extinguished, including during transport or storage. Whether a loss is covered depends on the garagekeepers form, covered causes, exclusions and limits. We review the customer vehicles, your trucks and your property separately. Source: NTSB battery-fire study.
Count the vehicles and their values, including peak inventory. For illustration, 20 vehicles averaging $15,000 total $300,000. That is a calculation, not a recommended limit. Review how much can be damaged in one event and whether each location is scheduled.
No. Bring each contract’s current insurance exhibit. Motor-club requirements depend on the club, service and agreement. Agero publishes its own minimums. Repossession adds operations that need to be disclosed and reviewed expressly. A certificate does not expand what a policy covers.
A broker who stays involved
No service-center hand-off. Once you’re a client, certificates are typically issued the same day or next business day. Requests that require a policy change may take longer.
Start my intakeor call (925) 744-6553
Independent insurance brokerage · CA License #6008364. No coverage is bound until a carrier issues a policy.
