Ohio applies its general for-hire property-carrier rule to tow trucks: $750,000 public liability through PUCO, with a $300,000 tier for carriers running only sub-10,001-lb vehicles.
Weight / class variation: $300,000 if carrier exclusively operates vehicles with GVWR/GCWR under 10,001 lbs
No tow-specific rule; general intrastate for-hire property rule applies. Cargo $5,000/vehicle / $10,000/incident in same rule is household-goods only, not tow cargo. No on-hook/garagekeepers amount in the PUCO rule.
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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 Ohio →Independent-contractor test: Common-law right-to-control for general WC (case law), plus two statutory carve-outs that displace it: (a) 10-of-20-criteria test for construction contracts only, and (b) 7-factor all-must-apply test for motor-carrier vehicle/vessel operators.
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.