Cincinnati, OH Business Licensing & Operations: Towing Companies (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.
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?
Can a towing conviction get an operator kicked off the rotation list?
What's the penalty for towing a car from private property without following state law?
Sources & Official References
Other rules in Cincinnati
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