TOWING & REPO
Towing/recovery (wrecker) operations and repossession services involve moving another vehicle, but their risk profiles are very different. Wrecker work typically occurs at crash or disablement scenes, where operators manage traffic hazards, scene safety, and securement—while still facing collision exposure traveling to and from the incident. Repossession work involves a separate set of risks, including camera-equipped units, nighttime or stealth operations, debtor confrontations, and higher liability, requiring specialized training and strict operational controls.
NSR field specialists clearly identify whether exposures involve towing, recovery, repossession, or a combination—and provide underwriting with a concise, accurate risk analysis covering securement practices, equipment maintenance, driver training, at-scene safety, and supervision.
- Individual & AAA/auto club towing
- Dealership calls
- Police-dispatch calls
- Salvage yard operations
- Body shop & repair shop transport
- Impound services
- Service station calls
- Parking lot/garage services
- Repossession services
- Wreckers
- Rollbacks
- Repo stingers
- Tractors
- Straight trucks
- Service vehicles
- Car trailers
DUAL RISK PROFILES
Wrecker and repossession operations carry distinct—and in some ways opposite—risk profiles requiring separate evaluation.
FMCSA COMPLIANCE
Most towing and recovery vehicles fall under FMCSA regulations when operating as commercial motor vehicles.
REPO-SPECIFIC HAZARDS
Nighttime operations, stealth approaches, camera systems, and debtor confrontations require specialized training and controls.
KEELY MANNING
Senior Account Manager · National Safety & Risk