Kentucky’s general motor-carrier property rule applies to tow trucks: $100,000/$300,000/$50,000 at 18,000 lbs GVW or less, $100,000/$600,000/$50,000 above. No tow-specific insurance amounts were found in the towing statutes.
Weight / class variation: GVW split at 18,000 lbs in 281.655(4); $1,000,000 CSL for hazmat vehicles in 281.655(6)
No tow-specific insurance amounts found in KRS 281.920-281.936 towing provisions; general motor-carrier property rule applied. KRS 281.655(7) cargo rule is household-goods only (per 49 CFR 387.303(c)) and does not apply to tow. Verified 2026-10-14: all fields resolved (figure or confirmed absence).
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Message us on Messenger Typically responds within 15 minutes during business hours. Prefer to talk now? Call · Text Get a quote for Kentucky →Independent-contractor test: Economic realities test (adopted for WC in 2023, replacing the old Ratliff/Chambers factors). Same test as wage/hour (KWHA) — adopted expressly for consistency
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.