Texas regulates towing through TDLR permit types — Incident Management, Private Property, and Consent towing — each with its own insurance minimums. Texas is also the only state where workers’ comp is optional for most private employers.
Weight / class variation: Varies by TDLR permit type (Incident Management vs Private Property vs Consent), not by GVWR; TxDMV intrastate tier applies only over 26,000 lbs
Tow-specific TDLR rule. No TDLR garagekeepers minimum found.
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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 Texas →Independent-contractor test: Statutory four-element IC definition, Tex. Labor Code § 406.121(2) (Subchapter F). § 406.122(a): a person working for a general contractor or motor carrier that is an employer is an employee unless operating as an IC or employed by an IC.
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.