Connecticut licenses tow operators as DMV wreckers, not PUC carriers. The general floor is $25,000/$50,000/$25,000, and for-hire carriers must evidence federal Part 387 amounts on the annual DMV filing. The state sets no on-hook, garagekeepers, or cargo minimum.
Law: CGS §§ 38a-335, 14-112(a), 14-163c, 14-163d(e); CT DMV guidance · CGS § 14-163d(a), (e); § 14-52(b)(1)
Weight / class variation: § 14-163c(a) vehicles: intrastate 18,001+ lbs; interstate 10,001+ lbs; hazmat; 8+ passenger for compensation. Part 387 amounts evidenced on the filing.
Tow operators are DMV-licensed wreckers under § 14-66 (dealer/repairer license required), not PUC-certificated carriers — the prior entry's § 16-304-D5 figures were the PUC-certificated carrier schedule (and the $100k/$300k/$50k tier was the interstate under-10,000 schedule), so they are not used here. Operative rule: §§ 14-163c/14-163d + Part 387 amounts. No state on-hook, garagekeepers, or cargo minimum in § 14-66, the wrecker regs (§§ 14-63-34–37b), or the State Police rotation regs (§§ 29-23a-1–17). Related but distinct: repairer's license requires a $25,000 surety bond (§ 14-52(b)(1)) — a license bond, not insurance. Municipal rotation agreements may set their own figures. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Not required doesn’t mean not liable: if you don’t carry workers’ comp — even where it isn’t required for you — an injured worker may be able to sue you in court instead of being limited to comp benefits, because the exclusive-remedy shield generally depends on having coverage.
Minimums are the legal floor, not a recommendation — most operators carry more. Your operation (light-duty, heavy-duty, repo, rotation, motor club) decides which coverages fit. Take the coverage quiz →
Rotation is a local contract, not state law. Rotation agreements commonly require auto liability around $1,000,000 CSL, on-hook/cargo $50,000–$100,000, garagekeepers $50,000–$500,000, and the agency named as additional insured — check your agency’s agreement for its exact terms. Rotation readiness checklist →
More tools: state requirements lookup · workers’ comp lookup · coverage quiz · fuel cost calculator · rotation checklist
Informational only — not legal advice and not a quote. Requirements change — confirm the exact limits with your state DOT / public utilities commission and your rotation agreement before you buy. Minimums are the legal floor, not a recommendation — most operators carry more.