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Cincinnati, OH Business Licensing & Operations: Towing Companies (2026)

Significant Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

General liability minimum
$1,000,000, $1,000 deductible cap
Garage-keepers liability minimum
$100,000, $500 deductible cap
Conviction bar (1 offense)
1 year off rotation list
Conviction bar (2+ in 5 yrs)
3 years off rotation list
Non-consent tow fine
Up to $1,000 (§869-99)

Summary

Tow truck operators who want onto Cincinnati's police rotation list for disabled and illegally parked vehicles must carry at least $1,000,000 in general liability coverage and $100,000 in garage-keepers liability coverage, and can't have a towing-related conviction in the past year. Separately, removing a vehicle from a private tow-away zone without following state law draws a $1,000 fine under Section 869-99.

To be eligible for participation in the rotation of wrecker operators on the police rotation list, a wrecker operator must:(a)have and keep in force general liability insurance, protecting against bodily injury and property damage, in an amount of not less than $1,000,000 with a deductible no greater than $1,000...(b)have garage keepers legal liability insurance...in an amount of not less than $100,000 with a deductible no greater than $500...(c)not have been convicted of one (1) or more charges under Ohio Revised Code Section 4513.60 or Section 869-11 of this chapter, or any successor statute or ordinance, within the previous twelve (12) months. ... No person shall remove or cause the removal of any vehicle from a private tow-away zone as defined in Ohio Revised Code Section 4513.60(B) in the City of Cincinnati except in accordance with Ohio Revised Code Section 4513.60 or any successor statute.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 48 Update 4).

Full Breakdown

Chapter 869 of the Cincinnati Municipal Code, rewritten by Ordinance No. 166-2001, governs both police-directed towing and private non-consent towing. Section 869-5 sets the eligibility bar for wrecker operators who want to join the city's police rotation list, the roster the police department calls down when it needs a disabled or illegally parked vehicle removed. To qualify, an operator must carry general liability insurance of at least $1,000,000 with no more than a $1,000 deductible, plus garage-keepers legal liability insurance of at least $100,000 with no more than a $500 deductible, both requiring the insurer to give the city ten days' notice before any cancellation or material change.

60 (the state's private-property towing statute) or Section 869-11 of this chapter. A single conviction bars rotation-list eligibility for one year from removal; two or more convictions within five years extend that bar to three years from the last conviction. Section 869-7 has the city manager or designee publish the fee schedule and equipment, training, and storage-security standards operators on the list must meet. 60(B), except in accordance with that state statute, Cincinnati doesn't set its own substantive non-consent towing rules beyond incorporating the state law.

Violations & Fines

Removing a vehicle from a private tow-away zone without following Ohio Revised Code Section 4513.60 violates Section 869-11 of the Cincinnati Municipal Code and, under Section 869-99, carries a fine of no more than $1,000. Separately, a wrecker operator with a towing-related conviction can be dropped from the police rotation list for one to three years depending on how many convictions occurred.

Frequently Asked Questions

What insurance does a tow company need to work Cincinnati police tows?
Section 869-5 requires at least $1,000,000 in general liability insurance with a deductible no greater than $1,000, plus at least $100,000 in garage-keepers legal liability insurance with a deductible no greater than $500: both must require the insurer to give the city ten days' notice before cancellation or material change.
Can a towing conviction get an operator kicked off the rotation list?
Yes. One conviction under ORC 4513.60 or Section 869-11 within the past twelve months bars eligibility, and once removed, the operator must wait a year to reapply. Two or more convictions within five years extend that wait to three years from the most recent conviction.
What's the penalty for towing a car from private property without following state law?
Section 869-11 bars removing a vehicle from a private tow-away zone except in accordance with ORC Section 4513.60, and Section 869-99 sets the fine for violating that rule at no more than $1,000.

Sources & Official References

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