Florida sets tow-truck minimums by vehicle weight under F.S. 627.7415, and FHP rotation adds its own layer — including a $50,000 tier that applies to all wreckers under 35,000 lbs. Workers’ comp kicks in at 4+ employees for non-construction businesses like towing.
Law: F.S. 627.7415 (additional coverage); Rule 15B-9.0031(3)(d)1.d; 49 CFR Part 387 · Rule 15B-9.0031(3)(d)1.c · Rule 15B-9.0031(3)(d)4
Weight / class variation: 627.7415 tiers split at 26,000 / 35,000 / 44,000 lbs GVW (applies at 26,000+ lbs only; no tier below 26,000). Rotation rule applies $50,000 to all wreckers under 35,000 lbs.
F.S. 627.7415 is a general commercial-motor-vehicle rule (additional coverage), not tow-specific; it sets no tier below 26,000 lbs GVW. F.S. 323.002's $300,000 liability / $50,000 on-hook cargo figures are disclosure items for unauthorized wreckers in county/municipal systems (disclose whether the coverage is in effect), not operating minimums — and 323.002 contains no garagekeepers figure. FHP rotation (Rule 15B-9.0031(3)(d)1, eff. 1/6/2026; formerly cited as 15B-9.006) additionally requires authorized wreckers to carry garage liability $300,000 CSL, garage keeper's legal liability $50,000 per loss, and workers' comp per Florida law, and applies the $50,000 liability tier to all wreckers under 35,000 lbs. General FL financial-responsibility proof is 10/20/10 (F.S. 324.021) plus PIP/PD for registration — not tow-specific. 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 →
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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.