Massachusetts sets no tow-specific insurance minimum — tow operators fall under the general $25,000/$50,000 bodily injury plus $30,000 property damage floor. The state sets no on-hook, garagekeepers, or cargo minimum, and there is no Form E.
Law: G.L. c. 90, §§ 34A, 34O (policies issued/renewed on or after 2025-07-01) · G.L. c. 90, § 1A; c. 159B, § 6B
No tow-specific minimum in G.L. c. 159B §§ 3, 6, 6A, 6B, 6D, 7; 540 CMR 14.03 does not incorporate 49 CFR Part 387; 220 CMR 152 sets passenger-carrier limits only. CAR-manual caveat resolved: c. 90, § 1A expressly excludes c. 159B supervision from the DTE-supervision exception, so DPU-certificated (159B) tow operators do NOT sit outside the compulsory floor — either route ties to § 34A limits. Nuance: § 34A's 'motor vehicle liability bond' definition still states $20,000/$40,000 — the 2024 act updated the policy definition, not the bond definition; the policy floor is 25/50 + 30 PD. No state on-hook, garagekeepers, or cargo minimum (proposed § 6B½ tow-insurance bills never enacted). Transparency: the prior DPU decal PDF is no longer published (mass.gov returns 404); the current application is an online form via Catalis whose fields could not be inspected in text form — but no insurance amount or named filing form appears in the statute or the DPU how-to page. 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 Massachusetts →Independent-contractor test: Common-law 12-factor test — NOT the ABC test. SJC in Camargo's Case, 479 Mass. 492 (2018), held G.L. c. 149, § 148B (ABC) does not determine WC status under G.L. c. 152. WC uses the DIA / MacTavish–Whitman 12-factor test.
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.