New Mexico has a tow-specific rule: $750,000 CSL per occurrence plus $50,000 on-hook and $50,000 garagekeepers. The $50,000 cargo figure in the same rule covers household-goods carriers only, not towing.
Weight / class variation: 49 CFR 387.9 weight split applies: $300,000 for fleets exclusively operating vehicles under 10,001 lbs GVWR
Tow-specific rule: towing services must meet 49 CFR 387.9 plus $50,000 on-hook and $50,000 garagekeepers. The $50,000 cargo figure in the same rule is for household-goods carriers only, not towing.
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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 New Mexico →Independent-contractor test: Common-law right-to-control, per Restatement (Second) of Agency § 220, adopted in Harger v. Structural Servs., 1996-NMSC-018, construing § 52-1-22. NOT an ABC test for WC — the ABC test is NM's unemployment test, § 51-1-42(F)(5).
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.