Blog Post

Essential Insurance for Tow Professionals And How A Roadside Assistance COI Management System Tracks the Policies   

COI Management | July 24, 2023
Roadside assistance COI management system

When your organization determines which tow operators to engage, it is critical to find out if their insurance policies are active and provide proper coverage. Collecting, evaluating, and organizing contractor COIs (Certificates of Insurance) is a demanding task that can be simplified with PlusOne Solutions’ roadside assistance COI management system.

Proper insurance coverage is a basic and critical necessity for tow professionals, and there are several types of insurance policies that provide coverage. Managing each of your contractors’ policies requires careful attention to detail and high levels of organization – skills that our professional COI management team at PlusOne Solutions can provide.

Essential Insurance for Tow Professionals

There are several types of insurance coverage that are necessary for tow professionals. These policies are vital for the protection of a tow provider’s vehicle, the contractors, the customers, and any property they encounter while providing roadside assistance. Depending on the work performed by the tow operator, your roadside assistance COI management system should monitor contractor COIs for some of these coverages:

Commercial Auto Insurance: This insurance provides coverage for tow trucks and other commercial vehicles used in the business. It typically includes liability coverage for bodily injury and property damage caused by the tow truck.

General Liability Insurance: This insurance protects against third-party claims for bodily injury, property damage, or personal injury. It covers incidents that occur at the business premises or because of business operations.

Garage keepers Insurance: This insurance covers damage or theft of vehicles that are left in the care, custody, or control of the tow truck operator. It provides protection for customer vehicles while they are stored at the tow company’s premises.

On-Hook Towing Insurance: This insurance covers damage to the vehicles being towed by the tow truck. It protects against damage caused by accidents, theft, fire, or vandalism while the vehicle is in transit.

Motor Truck Cargo Insurance: This insurance covers damage or loss of cargo being transported by the tow truck. It provides protection for the goods or vehicles being towed.

Umbrella Insurance: This insurance provides additional liability coverage beyond the limits of primary insurance policies, as noted above. It offers an extra layer of protection against catastrophic events or claims that exceed the limits of other policies.

What Is COI Tracking?

The term “COI tracking” refers to the process an organization undergoes to verify that a contractor’s insurance coverage is sufficient to provide coverage for the services they deliver. This is done in accordance with the organization’s insurance requirements and should occur at the beginning of the relationship and through the engagement term.

Taking the steps necessary to confirm that all essential forms of insurance are accurate and current is one of the most effective ways your organization can limit liability risks before engaging a towing professional.

PlusOne Solutions Simplifies the Job

At PlusOne Solutions, our COI tracking process is performed by our team and our automated tracking system, so errors and key details are significantly less likely to be overlooked. Combining the skill of our licensed COI tracking professionals and the accuracy provided by our technology, our COI tracking system checks documents for authenticity, appropriate coverage, and active policy dates.

Though it is possible for organizations to use online COI tracking platforms, partnering with a company that provides a roadside assistance COI management system is a much safer and efficient decision. Instead of being disappointed by the limitations of older COI tracking methods, such as spreadsheet systems or insufficient software programs, you can hand this task over to our COI management experts.

Streamline Your COI Tracking

Process With PlusOne Solutions Avoid the complex and time-consuming task of tracking COIs in-house. Contact PlusOne Solutions to streamline the process with our roadside assistance contractor COI management system.

Contents are provided for information purposes only and should not be construed as legal advice. Users are reminded to seek legal counsel with respect to their obligations and use of PlusOne Solutions services.

About PlusOne Solutions

PlusOne Solutions has been an industry leader in the risk management field by specializing in compliance programs that meet the complex challenges of geographically dispersed contractors, vendors, and employee networks. PlusOne Solutions protects companies from possible financial, legal, and reputational risks associated with contractor and vendor relationships while creating safer work environments. To learn more, visit

To receive these updates directly in your email inbox, sign up for the newsletter Questions or comments? We want to hear from you.

On the Blog


Contractor Background Check Program: Best Practices You Should Be Following

Hiring an employee is not the same as engaging a contractor through...

Read More

5 Trade License Tracking Benefits For Your Contractor Network

Licensing is one of those critical areas that can take a back...

Read More

Quarterly Compliance Update, Q4 2020

Maintaining compliance throughout the pandemic, PBSA chairperson update, data entry for background...

Read More