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Tow Truck Insurance Shreveport Louisiana


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Tow Truck Insurance Shreveport Louisiana – Great Rates are a Call or Click Away!

Tow Truck Insurance Shreveport LouisianaTow Truck Insurance in Shreveport Louisiana and the surrounding areas can be hard to find, but the agents at Jeff Davis Insurance have you covered.  

For more than 50 years Jeff Davis Insurance has cared for the needs of tens of thousands clients throughout the state of Louisiana. 

We have the knowledge and tools to help you find the best options for Tow Truck Insurance in Louisiana, because we are a leading independent insurance agency.  

Call 337-824-4455 to speak with one of our tow truck insurance specialists.  

We offer competitive insurance solutions for all kinds of towing operations, whether they’re repair garages, dealerships, or dedicated towing services.  

Tow Truck Insurance Shreveport Louisiana – Exclusions of Coverage Concluded.

You may recall from our previous article that we have been looking at the importance of understanding your insurance policy’s exclusions of coverage.

Where we left off in our story, Eustace had just submitted an insurance claim and put the whole gasoline spill incident out of his mind. Let’s find out what became of that claim… 

A few weeks later, Eustace receives a letter from his insurance company detailing their assessment of Eustace’s claim. In a nutshell, they have agreed to cover the damage to the tow truck caused by the collision and the Tanker truck up to $50,000. 

However, Eustace’s insurance company will not cover any environmental damage or cleanup costs caused by the gasoline spillage.  

In other words, Eustace must find a way to pay for the hundreds of thousands of dollars in environmental damage and cleanup out of his own pocket. 

Eustace doesn’t have that kind of money laying around and unfortunately bankruptcy might be his only alternative, which in turn could mean the liquidation of Bojangles Flatbed & Tow.  

Why Was Eustace’s Claim Denied for the gasoline that spilled out?  

Take a look at this exclusion of coverage detailed in his policy:  

Covered pollution cost or expense does not include any cost or expense arising out of the actual, alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of pollutants:  

a. That are, or that are contained in any property that is:

(i) Being transported or towed by, handled, or handled for movement into, (ii) Otherwise in the course of transit by or on behalf of the insured; or (iii) Being stored, disposed of, treated, or processed in or upon the insured.

Eustace’s policy does not cover “any cost… arising out of the… seepage… of pollutants that are… being towed by… the insured.”  

It is good to know about the exclusions of coverage before a claim occurs, would you not agree? 

Tow Truck Insurance Shreveport Louisiana – Call Today!  

If Eustace had read and understood his policy, he might have recognized that he was not covered for towing a tanker full of gas and could have avoided the situation altogether.  

Don’t be like Eustace. Call the agents at Jeff Davis Insurance to get answers to your questions about exclusions of coverage, and find the coverage that fits your needs.  

Call 337-824-4455 Monday through Friday 8:30 AM to 4:30 PM (CST). Let us shop the market to find the best coverage options on Tow Truck Insurance in Shreveport Louisiana. 

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

  • Tow Truck Insurance Lafayette Louisiana
  • Tow Truck Insurance Lake Charles
  • Bossier City Tow Truck Insurance
  • Tow Truck Insurance Kenner Louisiana
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Commercial Tow Truck Insurance Louisiana


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Commercial Tow Truck Insurance Louisiana Quotes Available From Top Companies!

Commercial Tow Truck Insurance LouisianaIf you own a garage providing towing services or a tow truck company you need the best options for commercial tow truck insurance in Louisiana.

Jeff Davis Insurance provides insurance for thousands of individuals and companies in the state of Louisiana and you can count on us today and tomorrow when shopping for tow truck insurance in Louisiana.

Call 337-824-4455 to speak with our licensed representatives. 

Make sure Your Liability Limits Are Sufficient.

One of the most important steps that should be taken when shopping for tow truck insurance in Louisiana is to make sure you purchase sufficient liability limits to cover your financial interests.

For example one fairly large tow truck company operating in multiple states and offering 24 hour per day services, with revenues in excess of $4 million per year, only maintained at the time $1 million of auto liability insurance for its fleet of 22 vehicles.

As a business owner do you believe that $1 million of coverage would be sufficient to cover a company generating more than $4 million in revenue per year?

Example:  A driver working for this company after picking up an abandoned pickup truck at 6 AM in the morning falls asleep at the wheel and plows into a semi-truck that in turn strikes a minivan with two passengers on their way to work causing two fatalities in the minivan.

A subsequent investigation revealed that the driver had been working overtime for the tow truck company and had not slept in 24 hours because of the heavy workload he was under at his company.

A verdict of $3 million +3 million in punitive damages was assessed against the tow truck operation.*

Because the company only had $1 million in liability coverage they were forced to file bankruptcy and liquidate its assets and close its doors.

Could This Happen to Your Business?

While it’s likely true that an accident of this proportion would never occur to your business, what if something similar happened?

As an employer you are not only responsible for your own actions, but of the actions of your employees.

What if you were sued for an amount of money that exceeded your coverage limits on your Louisiana tow truck insurance policy?

Any amount of money not covered by insurance would be the responsibility of the business.

Because of this fact it’s important to choose your coverage limits wisely.

Need Commercial Tow Truck Insurance in Louisiana? 

We can not only help you find the coverage you need, but we can discuss how a commercial umbrella policy can give you added protection for your company.

Call 337-824-4455 to speak with one of our licensed agents when you’re shopping for the best options on commercial tow truck insurance in Louisiana.

Louisiana tow truck insurance also available in the following communities:

  • Commercial Tow Truck Insurance New Orleans
  • Tow Truck Insurance Baton Rouge
  • Tow Truck Insurance Lake Charles
  • Commercial Tow Truck Insurance Shreveport
  • Tow Truck Insurance Lafayette Louisiana
  • Tow Truck Insurance Metairie Terrace
  • Tow Truck insurance Monroe Louisiana
  • Tow Truck Insurance Jennings

*This is a fictitious claims example.

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