Insurance Requirements for Service Providers

1800AUTOTOW INC.

This Insurance Requirements Addendum ("Addendum") is incorporated into and made part of the Tow Service Provider Agreement between 1800AUTOTOW INC. ("Company") and the towing service provider ("Provider").

Provider must maintain all insurance coverage specified in this Addendum as a condition of Platform access. Failure to maintain required coverage will result in immediate suspension.

1. REQUIRED INSURANCE COVERAGE

Provider shall obtain and maintain, at Provider's sole cost and expense, the following insurance coverage with minimum limits as specified:

Coverage Type	Minimum Limit	Required For
Commercial Auto Liability	$1,000,000 CSL	All Providers
On-Hook/Cargo Coverage	$100,000 per vehicle	All Providers
Garage Keepers Legal Liability	$100,000 per location	If storing vehicles
General Liability	$1,000,000 per occurrence	All Providers
General Liability (Aggregate)	$2,000,000 aggregate	All Providers
Workers' Compensation	Statutory Limits	If employees
Employer's Liability	$500,000 per accident	If employees
Umbrella/Excess Liability	$1,000,000	Recommended

CSL = Combined Single Limit

2. COVERAGE DESCRIPTIONS

2.1 Commercial Auto Liability

Covers bodily injury and property damage arising from the ownership, maintenance, or use of tow trucks and service vehicles. Must include:

All owned, non-owned, and hired vehicles
Coverage for towing operations
Uninsured/underinsured motorist coverage

2.2 On-Hook/Cargo Coverage

Covers damage to customer vehicles while being towed, transported, or otherwise in Provider's care, custody, or control. Coverage must apply:

From the moment the vehicle is hooked/loaded until delivery
For all types of damage including collision, theft, vandalism, and weather
Without exclusions for mechanical breakdown caused by towing

2.3 Garage Keepers Legal Liability

Required if Provider stores customer vehicles at any location. Covers damage to customer vehicles while stored, including:

Fire, theft, vandalism, and collision
Weather-related damage
Employee negligence or dishonesty

2.4 General Liability

Covers third-party bodily injury and property damage claims arising from Provider's business operations, including:

Premises liability
Completed operations
Personal and advertising injury
Products liability (if applicable)

2.5 Workers' Compensation & Employer's Liability

Required if Provider has any employees. Must comply with statutory requirements in all states where Provider operates. Sole proprietors and owner-operators without employees may provide a signed waiver form.

3. ADDITIONAL INSURED REQUIREMENTS

Provider shall name the following as Additional Insured on all required liability policies:

1800AUTOTOW INC.
Bald Eagle Drive
Marco Island, FL 33415

The Additional Insured endorsement must:

Be provided on ISO form CG 20 10 or equivalent
Cover both ongoing and completed operations
Provide primary and non-contributory coverage
Include a waiver of subrogation in favor of 1800AUTOTOW INC.

4. CERTIFICATE OF INSURANCE REQUIREMENTS

4.1 Initial Submission

Provider must upload valid Certificates of Insurance (COI) through the Provider Dashboard before accessing the Platform. Certificates must:

Be issued by an insurance company rated A- or better by A.M. Best
Show all required coverage types and minimum limits
Name 1800AUTOTOW INC. as Certificate Holder and Additional Insured
Include policy numbers and effective/expiration dates
Be signed by an authorized representative of the insurance company or agent

4.2 Ongoing Requirements

Annual Renewal: Updated certificates must be uploaded at least 30 days before policy expiration
Material Changes: Provider must notify Company within 5 business days of any policy cancellation, non-renewal, or material reduction in coverage
Verification: Company reserves the right to verify coverage directly with Provider's insurance carrier

5. INSURANCE LAPSE & ACCOUNT SUSPENSION

WARNING: Operating without valid insurance is a violation of law and this Agreement.

5.1 Automatic Suspension

Provider's Platform access will be automatically suspended if:

Any required insurance policy expires without a valid renewal certificate on file
Insurance carrier notifies Company of policy cancellation or non-renewal
Coverage is reduced below minimum required limits
Provider fails to add 1800AUTOTOW INC. as Additional Insured

5.2 Reinstatement

To reinstate Platform access after suspension:

Upload current, valid Certificates of Insurance meeting all requirements
Confirm all drivers and vehicles are covered under the new policies
Acknowledge any applicable reinstatement terms

Reinstatement is not guaranteed and may be subject to additional review.

6. CLAIMS & INCIDENT REPORTING

Provider must notify 1800AUTOTOW INC. within 24 hours of any incident that may result in a claim, including:

Vehicle accidents involving Provider's tow truck or equipment
Damage to customer vehicles during towing or storage
Injuries to customers, bystanders, or employees
Property damage at customer locations
Any claim or lawsuit naming 1800AUTOTOW INC.

Report incidents to: claims@1800autotow.com

7. INSURANCE-RELATED INDEMNIFICATION

Provider agrees to indemnify and hold harmless 1800AUTOTOW INC. from any claims, damages, or expenses arising from:

Provider's failure to maintain required insurance coverage
Provider's failure to properly report claims or incidents
Any gap in coverage during which Provider operated on the Platform
Claims excluded from Provider's insurance policies
Misrepresentation of insurance coverage

8. STATE-SPECIFIC REQUIREMENTS

The requirements in this Addendum are minimum requirements. Provider must also comply with all state and local insurance requirements, which may exceed these minimums. Provider is solely responsible for determining applicable requirements in each jurisdiction where Provider operates.

Common state-specific requirements include:

Higher liability limits for certain vehicle types or weights
Specific on-hook coverage endorsements
Mandatory PIP or no-fault coverage
DOT/FMCSA filing requirements for interstate operations

9. DISCLAIMER

1800AUTOTOW INC. DOES NOT PROVIDE INSURANCE ADVICE. The requirements in this Addendum are for the protection of 1800AUTOTOW INC. and its customers. Provider should consult with a licensed insurance professional to ensure adequate coverage for Provider's specific operations and risk profile.

1800AUTOTOW INC. makes no representation that the minimum limits specified are sufficient to cover all potential claims or losses.

10. MODIFICATIONS

1800AUTOTOW INC. reserves the right to modify insurance requirements at any time with 60 days' notice to Providers. Continued use of the Platform after the effective date of modifications constitutes acceptance of the updated requirements.

11. CONTACT & SUBMISSIONS

For insurance-related questions or to submit documentation: