Onboarding requirements for Roadside Professionals
Insurance Coverage for Roadside Professional.
The type of insurance needed will be dependent on the services being offered. Roto requires the following Insurance minimum (Please note, Commercial Auto Liability Insurance is a requirement even if your company only offers roadside service):
| Type of Insurance | When it’s required? | Minimum Coverage | What is typically covered? |
| Automobile Liability | All 1099 Contractors | · Light Service, Locksmith, Battery Service – $500k · Tow Service up to 600 calls · annually – $500k Tow Service over 600 calls · annually – $1mm | · Covers All owned, leased, or hired vehicles · Minimum limits requirements are · per occurrence · Roto Technology LLC is listed as Additional Insured |
Garage Liability Commercial General Liability | · Garage Liability is required for contractors who own/operate a facility · Commercial General Liability is required for contractors who do not own/operate a facility | · Light Service, Locksmith, Battery Service – $500k · Tow Service up to 600 calls · annually – $500k Tow Service over 600 calls annually – $1mm | · Covers bodily injury and/or property damage which may occur during the completion of a Roto Pro Roadside Service & Repair. · Minimum Limit Requirements are per occurrence · Roto Technology LLC listed as Additional Insured |
Garage Keepers Liability or Care, Custody, & Control and On-Hook (if towing) | · Garage Keepers is required for contractors who own/operate a facility · All Providers must have some · form of Care, Custody & Control insurance. · Tow providers must have On- hook coverage. | · Light Service & Tow Contractors $100k per occurrence · Locksmith-only contractors $25k per occurrence | · Covers Physical Damage (both comprehensive & collision) to vehicles while in contractor’s Care, Custody, or Control Provides additional Liability insurance as coverage for vehicles being attended to by contractor (either at facility or on roadside) |
Workers’ Compensations or Exemption | · If contractor has qualifying employees in state(s) in which contractor performs services (regardless of whether they perform services for Roto Technology LLC. | · $100k each accident · $500k EL Disease policy · limit $100k EL Disease each employee | · Evidence of coverage/exemption required for all states in which contractor performs services · Waiver of Subrogation in favor of Roto Technology LLC |
Background Check:
Once your Roto Pro account is created, you’ll receive a notice that your account is pending. The Roto Admin team will review your submitted documents and send the owner an invitation to enter and submit your background check.
IRS W9 Form:
The information used to create your account will be used to accurately provide an end of year statement (1099) to your business and the IRS. Roto will need you Taxpayer Identification Number (TIN) and/or Employer Identification Number (EIN) for corporations, Limited Liability Companies (LLC’s) and other business entities. Individuals, sole proprietors, and single-member LLC’s, your TIN is your social security number.
