On-Hook Coverage
Definition. On-Hook covers damage to a vehicle being towed by your tow truck. Explicitly EXCLUDED by standard Commercial Auto cargo coverage.
Also known as: Cargo for Towing Operators, Truckers Cargo - Towing
Unique to tow truck operators. Covers strap failure, hook slip, vehicle separating from wrecker, hitting overpass. Sub-limits typically $50K-$75K (light-duty) to $100K-$250K (heavy-duty).
Example
Customer's $52,000 Tesla slides off your flatbed during transport. On-Hook pays the replacement.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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