Amazing expirience! The agent is very professional and friendly. Definitely recommend!!
Roadside assistance business insurance in Florida
Coverage built around how your business operates. Call or text 813-302-7151.
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813-302-7151
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Rguzman@coveredbyguzman.com
7 months ago
Excellent service and very professional staff. They made the process easy, answered all my questions, and helped me find the right coverage. Highly recommended!
3 months ago
I’ve worked with Ray for years and he’s always reliable and has been able to help my clients in need! I can always count on him to provide the best insurance advice and service
7 months ago
Great service, and always looking out for my commercial insurance. Thank you Ray
3 months ago
Great insurance agent to work with. Ray is the best!
3 months ago
Reviews reflect individual customer opinions and experiences. They do not guarantee specific coverage, pricing, service timing, or claim outcomes.
A roadside assistance business lives on the shoulder of the road. Your tech pulls up behind a stalled car on I-75 at night, jumps a dead battery in a grocery store lot, changes a tire on a ramp with traffic flying by, or brings two gallons of gas to someone stuck on the Veterans Expressway. Most of your calls come from motor clubs and dispatch apps, and each one has its own insurance rules.
We help Florida roadside businesses put together coverage that fits that work: the service truck, the tools in it, the techs working next to traffic, the customer’s vehicle you touch, and the contracts that send you the calls. If you also do mobile repairs or towing, we build that in too.
Roadside assistance is not the same as mobile mechanic work
Roadside assistance gets a stranded driver moving again: jump starts, lockouts, tire changes, fuel delivery and battery service. A mobile mechanic does bigger repair and diagnostic work at the customer’s home or business. If you do both, tell us about both. Repair work listed as roadside service can leave a gap when a claim comes in.
See also: Mobile Mechanic Insurance
General liability for roadside service
General liability is the policy that usually handles damage your work causes to a customer’s car or property. A lockout tool that scratches a door, a battery install that fries a car’s electronics, or the wrong fuel in a tank are all examples. A business that only does jump starts and lockouts is priced differently from one that installs batteries or does light repairs, so we list every service you actually offer. Some policies limit coverage for cars in your care, and we check that before you bind.
Across all business types, general liability in our quotes has run $300 to $6,500 a year (about $25 to $550 a month). These are annual prices from real quotes our agency has run for Florida businesses; see the commercial insurance price guide.
See also: General Liability Insurance for Florida Businesses
Commercial auto for the service truck
The carrier will ask how far you drive, who drives, what gear rides along and whether the truck goes home at night or gets personal use. Most roadside trucks spend a lot of time parked on shoulders, so a clean driver record matters a lot.
These annual ranges for one-vehicle policies come from real quotes our agency has run for Florida businesses:
- Pickup or light truck, Florida minimum limits: $1,000 to $9,000 a year ($80 to $750/mo)
- Pickup with a $300,000 limit: $3,500 to $15,000 a year ($290 to $1,250/mo)
- Cargo van, Florida minimum limits: $900 to $7,000 a year ($75 to $590/mo)
Your real price depends on your vehicles, drivers, limits and claims history. See the full Florida commercial insurance price guide. If you add a tow truck, it is rated separately (see below).
Working on the shoulder
The most dangerous part of roadside work is standing next to traffic. Florida’s Move Over law, Florida Statutes s. 316.126, requires drivers on multilane roads to move out of the lane next to a stopped wrecker with amber lights, or a disabled vehicle showing hazard lights, flares or signs with people present, or to slow to 20 mph below the speed limit if they can’t move over. Plenty of drivers still don’t.
Think through the calls you actually run:
- A tire change on the left shoulder of an interstate, where your tech works with his back to traffic
- A jump start at night, with your truck parked nose-to-nose with the customer’s car
- A lockout where the tool scratches the door or damages window or airbag wiring
- A fuel delivery where the wrong fuel goes in the tank
- A battery install that damages the car’s electrical system
Each one lands on a different policy. A passing car hitting your truck is an auto question. An injured tech is a workers’ compensation question. Damage to the customer’s car from your work is usually a general liability question, and some policies limit coverage for vehicles in your care. Ask how each scenario would be handled before you sign up with a new motor club.
Tools and equipment in the truck
Jump packs, compressors, jacks, battery gear and scan tools are usually not covered by the auto policy, which is built for the truck itself. List your gear and what it would cost to replace, and we will quote tools and equipment coverage (inland marine) for it.
Towing and customer vehicles change the risk
Once you hook a customer’s car, you are in the towing business. The car on your truck or wheel lift needs on-hook coverage, which pays for damage to the customer’s vehicle while you tow it. If you store cars at your yard overnight, garagekeepers coverage comes into play. Neither one comes with a basic roadside policy, so don’t tell a motor club you have them unless the policy lists them.
Towing also changes the auto side. A wrecker or rollback is rated differently from a service pickup, and many carriers want more driver experience for tow operators. In real quotes our agency has run for Florida businesses, a single tow truck at Florida minimum limits has ranged from $6,500 to $16,000 a year ($540 to $1,350/mo), with on-hook and garagekeepers priced on top. See our commercial insurance price guide.
See also: Tow Truck Insurance · Garagekeepers Insurance
Motor club and dispatch contracts
Motor clubs, roadside apps and dispatch networks usually set their own insurance rules before they send you calls. Expect to be asked for certain auto and general liability limits, a certificate naming the club, sometimes on-hook limits if you tow, and proof of workers’ compensation if you have employees. Some also require background checks, marked trucks or response times.
Send us the full provider agreement before you sign, not just the one-page insurance summary. The agreement may include indemnity language that makes you responsible for claims tied to your service. A certificate shows what your policy has; it doesn’t add anything the policy lacks. If you work for more than one network, tell us each one so your limits meet the highest requirement. Our guide to certificates of insurance and contract requirements explains more.
Employees and workers’ comp
Roadside techs get hurt most often on the shoulder: struck by a passing car, hurt lifting a spare, or burned by a battery. Workers’ comp pays their medical bills and part of their lost wages. Florida requires non-construction businesses with 4 or more employees to carry it, and construction businesses with 1 or more (Florida Statutes s. 440.02). Motor clubs often ask for proof of workers’ comp if you have employees. Across all business types, workers’ comp in our quotes has run $800 to $7,500 a year, based on the same price guide. Describe payroll and duties accurately, because roadside work is rated on both.
See also: Workers’ Compensation Insurance for Florida Businesses
What we need for a quote
Have these ready: the legal business name, the exact services you offer, annual sales, employees and payroll, vehicle and driver details, your operating radius, prior coverage, claims history, tool and equipment values, any towing or vehicle storage, and the limits your contracts require. If a motor club or app sends you calls, send us its complete provider agreement before binding.
Frequently asked questions
Is roadside assistance the same as a mobile mechanic?
No. There can be overlap, but roadside assistance usually focuses on emergency services such as jump starts, lockouts, fuel delivery and tire changes. Broader repair work should be disclosed as mobile-mechanic operations.
How much does roadside assistance insurance cost in Florida?
For a one-pickup policy at Florida minimum limits, commercial auto in our quotes has run $1,000 to $9,000 a year, and general liability for all business types $300 to $6,500 a year. The price guide has the full ranges.
Does a roadside assistance business need commercial auto?
Usually, yes. A personal auto policy often excludes a truck used every day for paid service calls, and motor clubs ask for commercial auto limits before they send you work.
Does roadside assistance insurance include towing?
Don’t assume it does. Towing changes the risk and usually needs on-hook coverage for the customer’s car and a tow truck on the auto policy.
Are my tools covered in the service vehicle?
Not automatically. Jump packs, jacks, compressors and diagnostic tools usually need tools and equipment (inland marine) coverage, separate from the truck.
What if I also do mobile mechanic work?
Tell us about both. Mobile repair work adds questions about customer vehicles and completed repairs. Our mobile mechanic insurance page explains them.
About the Author
Raymundo Guzman
I’m Raymundo Guzman, an independent insurance agent and the owner of Covered by Guzman. I help business owners across Tampa Bay and central Florida find commercial auto, general liability, workers’ compensation, and related business coverage that matches how they actually operate, comparing options across the carriers available to me rather than selling one company’s product.
Independent Insurance Agent · License #W512374 | NPN #18906048 · 813-302-7151
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