West Virginia regulates tow operators as common carriers hauling wrecked or disabled vehicles: $300,000 at 10,000 lbs GVWR or less, $750,000 above, with interstate wreckers at $1,000,000. The general freight cargo rule expressly does not apply to wrecked or disabled vehicles, so tow operators have no cargo minimum.
Law: WV Code § 24A-2; PSC schedule · W. Va. Code R. 150-14-2
Weight / class variation: GVWR 10,000 lbs threshold; interstate wrecker tier $1,000,000
Tow operators are regulated as common carriers hauling wrecked/disabled vehicles (WV Code §24A-2-2a). General freight cargo is $50,000/vehicle, $100,000 aggregate, but that cargo rule expressly does NOT apply to wrecked/disabled motor vehicles, so no cargo minimum for tow. No on-hook/garagekeepers minimum found. The $1,000,000 'towing service insurance' in 2000 HB 4507 bill text for 'qualified towing service' was not verified as enacted current law - not used. 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 West Virginia →Independent-contractor test: Statutory checklist, W. Va. Code § 21-5I-4(a) (Employment Law Worker Classification Act): (1) AND (2) AND (3) AND [(4) OR (5)]. If (a) fails, subsection (b) applies the IRS Rev. Rul. 87-41 (20-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.