Cleveland Heights Tow Truck Insurance

Cleveland Heights Tow Truck Insurance – Call Us Today!

Cleveland Heights Tow Truck Insurance

If you’re searching for the best rates on Tow Truck Insurance in Cleveland Heights Ohio and the surrounding areas then you’ve found the right place.

We are Pathway Insurance, a leading independent insurance agency in Ohio. As an independent agency we have the tools necessary to help our customers find appropriate and affordable coverage on Tow Truck Insurance in Ohio.

Give us a call today at 1-800-998-0662 to speak with one of our licensed insurance agents.

Cleveland Heights Ohio Tow Truck Insurance – Exclusions of Coverage. 

This week we will continue the theme of exclusions of coverage. Just in case you’ve forgotten what exclusions of coverage are, we define them as specific situations pointed out in the language of an insurance policy for which coverage would not be approved by the insurance company.

The advice we give at Pathway Insurance to our policyholders when it comes to exclusions of coverage is to read your policy very carefully

You want to know what is and, more importantly, is not covered on your Ohio Tow Truck Insurance policy so that you can’t be blindsided by a claim denial down the road. Reading the policy really is the best way to achieve that. 

Bearing that in mind, let’s conclude our claims scenario to illustrate the importance of knowing your policy’s exclusions of coverage.

Tow Truck Insurance Cleveland Heights – Coverage Scenario. 

When we left off, the lawyer representing Walter’s Repair and Tow contacted Jeff to persuade him to drop the case, or else they will petition the judge for a declaratory judgment.

When Jeff still does not back down, the lawyer suggests that he may be eligible for workers compensation under Walter’s Repair and Tow’s policy.

Jeff continues to hold out for a bigger payout, however, so the lawyer tells Jeff that he’ll email him a copy of Walter’s tow policy and highlight what it says in regards to Jeff’s situation.

The next morning Jeff opens an email in his inbox from the lawyer. Attached is a copy of Walter’s policy with a particular section highlighted:

Employee Indemnification and Employer’s Liability Bodily injury to:

a . An employee of any insured arising out of or within the course of:
(i) That employee’s employment by any insured; or
(ii) Performing duties related to the conduct of any insured’s business; or
b . The spouse, child, parent, brother or sister of that employee as a consequence of Paragraph a. above.

Put more succinctly, coverage is excluded for bodily injury to the spouse of the employee as a consequence of the employee’s employment. And since Jeff’s wife was injured as a direct result of Jeff’s duties while on the job, she would not be covered.

So while Jeff might be eligible for workers compensation under his employer’s policy, his wife certainly is not.

Out of anger, Jeff doubles down. He rants belligerently about how he’ll have his day in court. Just as the lawyer promised, within weeks the judge issues a declaratory judgment that effectively quashes Jeff’s lawsuit and labels it groundless.

Defeated, Jeff drops the lawsuit. He is fired from his towing job and has to start liquidating all the fancy stuff he bought with the settlement money from the first lawsuit to come up with money for his wife’s medical bills.

Cleveland Heights Tow Truck Insurance – Call Us Today!  

If Jeff had understood the language of his employer’s policy as it relates to him as an employee then he might have thought twice about filing a lawsuit.

Learn about these exclusions of coverage for your towing operation by calling the agents at Pathway Insurance for answers to your questions about Ohio Tow Truck Insurance. 

Our number is 1-800-998-0662, and we’re available Monday through Friday 9:00 AM to 5:30 PM (PST).

We can shop the market for you to find the best coverage options on Tow Truck Insurance in Cleveland Heights Ohio.  

We also offer Ohio Tow Truck Insurance in the following areas: 

  • Tow Truck Insurance Toledo Ohio
  • Tow Truck Insurance Lorain Ohio
  • Elyria Ohio Tow Truck Insurance
  • Mansfield Ohio Tow Truck Insurance
  • Tow Truck Insurance Newark Ohio

Tow Truck Insurance Toledo Ohio

Tow Truck Insurance Toledo Oh – Quotes and Coverage Available Seven Days per Week!

Tow Truck Insurance Toledo OhioLooking for the best deal on Tow Truck Insurance in Toledo Ohio and the surrounding areas?  If so contact Pathway Insurance at 1-800-998-0662 or click on Tow Truck Insurance Toledo Oh to send us your information for quotes online.

Pathway Insurance offers competitive Tow Truck Insurance in Ohio, Michigan, Indiana, Kentucky, Minnesota, Tennessee, Georgia, and Florida plus we are connected to an agent referral service available in all 50 states.

Online agents are available seven days per week for completing quotes, issuing policies, taking payments, issuing certificates of insurance, and filing claims until 5:30 PM.

Agents by telephone are available Monday through Friday 9 AM to 5:30 PM. (EST) 

Shopping for Tow Truck Insurance in Toledo Ohio Is Challenging!

The reason why it is can be challenging and sometimes frustrating is because so few insurance underwriters offer tow truck insurance, even if it’s incidental to your garage operation.

If you call 100 companies offering business insurance in Ohio, only 10-15 offer tow truck insurance in the state of Ohio!

Some of the biggest insurance companies that advertise non-stop on television do not underwrite tow truck insurance!

We offer quotes seven days per week when you click on Tow Truck Insurance Toledo Oh. 

Why Most Insurance Companies Refuse to Underwrite Tow Truck Insurance:

It’s actually a simple answer. The majority of companies do not want to insure tow truck operation simply because the claims experience in this class of business tends to be significantly higher than average compared to other commercial auto risks, so most insurers avoid tow truck operations.

As was mentioned above there are more than hundred companies offering business auto insurance in the state of Ohio, yet only a handful of companies will insure Towing Operations and Garage Operations.

Fortunately we represent a number of companies offering competitive solutions for Garages, Car Dealerships, and companies that only offer Towing Services.

Tow Truck Insurance Toledo Ohio – What about Insurance for Repossession Work?

Great question. Usually if repo work consists of more than 10% of your annual receipts the typical insurance company underwriting tow truck risks will turn your company down!For instance if you generate $500,000 per year in annual receipts and repo work is $50,000 or more, most insurers will turn you away!

However it is possible to obtain commercial tow truck insurance even if the customer is engaging in 100% repo work!   You’re not going to like the premium rate certainly, but there are few choices available for towing operations that specialize in repo work.

What Happens If I Forget to Tell the Insurance Company about My Repo Work?

This could spell trouble for you when you have a claim.  Insurance companies rely upon the statements policyholders make on the application to determine if that towing operation would qualify.

If a company would ordinarily decline a company for doing repo work and you failed to notify the insurer you are engaged in repo work, you will be facing a claim denial down the road.

Note how this reads in one policy:

Fraud or Misrepresentation

This policy was issued in reliance upon the information provided on your insurance application.

We may void this policy at any time, including after the occurrence of an accident or loss, if you:

  1. Made incorrect statements or representations to us with regard to any material fact or circumstance;
  2. Concealed or misrepresented any material fact or circumstance; or
  3. Engaged in fraudulent conduct; at the time of application.

This means that we will not be liable for any claims or damages that would otherwise be covered.

Don’t hide what you are doing from the insurance company… That decision may come back to haunt you later.

Tow Truck Insurance Toledo Ohio – Fast Quotes and Coverage Seven Days per Week!

As a leading independent agency we can help you find the coverage you need for your business.

Use our online system available seven days per week by clicking on Tow Truck Insurance Toledo Ohio or contact us by telephone Monday through Friday 9 AM to 5:30 PM. (EST)

Our office number is 1-800-998-0662.

Need insurance in other areas?  Learn about our service area nearby:

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