NAICS UNIVERSITY · Free research for insurance agents
Motor Vehicle Towing
NAICS 488410 · United States · 2022 edition
This industry comprises establishments primarily engaged in towing light or heavy motor vehicles, both local and long-distance. These establishments may provide incidental services, such as storage and emergency road repair services.
Start the review with commercial auto.
For Motor Vehicle Towing, the saved research highlights commercial auto, on-hook/garagekeepers, workers' compensation. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many tow units are in the fleet, and what are their types — light-duty, medium, or heavy recovery?
- Does the operation include a storage or impound yard, and how many vehicles are typically held at one time?
- Is any repossession work performed, even incidentally?
- What motor club or municipal contracts are in place, and what minimum insurance limits do they require?
- What is the radius of operations — local, regional, or long-distance interstate hauls?
- What are the driving records of all operators, and how is MVR monitoring handled?
- For Motor Vehicle Towing, what should the underwriter know about heavy-duty recovery of semis, overturned tankers, or commercial trucks?
- For Motor Vehicle Towing, what should the underwriter know about combined repo (repossession) activity, which is a distinct class with its own liability profile?
Activities described by this code
Other activities to examine
- Operating gasoline stations: 4571 — Gasoline Stations
- Providing automotive repair and maintenance: 8111 — Automotive Repair and Maintenance
- Both retailing automotive parts and accessories, and repairing automobiles: 441330 — Automotive Parts and Accessories Retailers;
- Repossessing motor vehicles: 561491 — Repossession Services
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Towing businesses use specialized trucks to move disabled, impounded, or accident-involved vehicles for motorists, municipalities, law enforcement, and motor clubs. Operations may include roadside assistance, vehicle storage yards, and emergency recovery. Some operators focus on light-duty passenger vehicles while others specialize in heavy-duty commercial vehicle recovery.
Questions to investigate
- How many tow units are in the fleet, and what are their types — light-duty, medium, or heavy recovery?
- Does the operation include a storage or impound yard, and how many vehicles are typically held at one time?
- Is any repossession work performed, even incidentally?
- What motor club or municipal contracts are in place, and what minimum insurance limits do they require?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.