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AAA Contracted Tow Operator Insurance

Pivotal Drive Risk MGA’s tow operator insurance program pairs proven coverage with advanced telematic analytics and hands-on claims advocacy to keep your drivers safe and your operation running strong.

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Insurance Built for the Realities of Roadside Work

For independent truck operators in the AAA roadside network, securing affordable, effective insurance is as critical as it is challenging. That’s why we built a tow operator insurance program specifically for businesses like yours. We deliver competitively priced, usage-based insurance coverage that reflects your investment in safety, qualified drivers and telematics technology.

Built for the roadside. Engineered for your unique risk.

Pay for the Miles You Drive, Not the Trucks You Own

If you insure 24 trucks but only run 15 at a time, you’re paying for coverage you don’t need. When your fleet isn’t fully deployed, your insurance shouldn’t be either. Pivotal Drive Risk MGA’s usage-based insurance connects real-time telematics and dash camera data with advanced analytics to align premiums with actual vehicle usage and real-time driver behavior — dynamically adjusting coverage to your needs and turning safer performance into measurable financial returns.

Increase Profitability Across Your Organization

Real-time tracking, route optimization, MVR monitoring and driver behavior analysis reduce fuel costs, improve response times and identify risk patterns for proactive intervention. Pivotal Drive’s mileage-based rating system reflects true vehicle utilization. This improves cash flow by aligning transportation insurance premium pricing with actual tow fleet activity instead of per-unit costs. Dynamically connected to your telematics systems, driver and units are added automatically.

Protect Operations with Strategic Claims Guidance

Our in-house claims resolution team of skilled lawyers and advocates is dedicated to containing legal expenses, reducing the risk of nuclear verdicts, securing swift resolutions, limiting disruption and achieving optimal outcomes. Consultants provide detailed contract review and compliance guidance for tow operations to mitigate contractual liability. This customized legal support reduces exposure, improves profitability and helps your business achieve sustainable growth in a rapidly evolving environment.
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Learn More About FleetLytics

Pivotal Drive Powered by FleetLytics

Tow operators insured by Pivotal Drive Risk MGA utilize FleetLytics, our proprietary fleet analytics software. Its centralized dashboard unifies safety, compliance, telematics and claims data to deliver real-time visibility into fleet activity and insurance pricing. Key capabilities include collision detection and live alerts, instant claims reporting and tracking, automated driver onboarding and contract compliance, targeted training based on driver behavior, real-time corrective driver feedback, MVR monitoring and performance data integration with insurers.

Learn More About FleetLytics