Tennessee’s general rule sets $750,000 at 10,000+ lbs GVWR and $300,000 under — but THP Towing List operators must carry $1,000,000 vehicle liability plus class-tiered on-hook and garagekeepers of $75,000 to $200,000 per incident. Those list figures are rotation requirements, not general statewide minimums.
Law: Tenn. Comp. R. & Regs. 1340-06-01-.07(1)(a), 1340-06-01-.07(1)(b)–(d), 1340-06-01-.07(1)(e); THP Towing Service Standards Manual § IX.B.3.a · THP Towing Service Standards Manual § IX.B.3.c (Revised January 2017, official tn.gov PDF) · THP Towing Service Standards Manual § IX.B.3.b · 1340-06-01-.07(3); T.C.A. § 65-15-102 · 1340-06-01-.06; THP Towing Service Standards Manual § IX.B.1, § IX.C
Weight / class variation: GVWR 10,000 lbs threshold; hazmat tiers $1,000,000 / $5,000,000. Towing List on-hook/garagekeepers vary by class: A & D $75,000; B $150,000; C $200,000.
THP Towing Service Standards Manual § IX figures now confirmed from the official tn.gov PDF (Revised January 2017 — the version currently published by DOSHS; no newer revision found): vehicle liability $1,000,000 flat all classes; on-hook and garagekeepers $75,000 (A & D) / $150,000 (B) / $200,000 (C), per incident. These are Towing List (rotation) requirements, not general statewide minimums. General rule: 1340-06-01 (auto $750k at 10,000+ / $300k under; cargo $5k/$10k for Motor Common Carriers intrastate only). Do not confuse with Knoxville PD municipal rotation rules (vehicle liability 300/500/750; city-only). Verified 2026-10-14: all fields resolved (figure or confirmed absence) from official TN sources.
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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.