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Kirkwood, MO Business Licensing & Operations: Towing Companies (2026)

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

Key Facts

License required
§ 13-264, before towing in City
Vehicle labeling
Name, license #, min. 2-inch letters
Insurance minimum
$25k/person, $50k/accident, $10k property
Cruising for business
Prohibited, § 13-276(a)
License term
1 year, § 13-267
Suspension
Up to 90 days, § 13-269

Summary

Every tow truck operating in Kirkwood needs a City license under § 13-264, unless it already carries a valid St. Louis County or comparable-municipality license, and licensed wreckers must file a posted price schedule and carry minimum liability insurance under §§ 13-272 and 13-275.

It shall be unlawful for any person to operate a tow truck within the City unless that person shall first obtain a license from the Director of Finance for said tow truck, or unless said person shall be exempt by reason of one or more of the exemptions enumerated in Subsection (b) herein. ... No license shall be required of any person whose principal place of business is not located within the boundaries of the City but who is operating a tow truck in the City if such tow truck has affixed to its windshield a license obtained from St. Louis County or a municipality, which municipality has an ordinance similar to this division.

Full Breakdown

Division 5 of Chapter 13 licenses tow trucks operating in Kirkwood. Section 13-264(a) makes it unlawful to operate a tow truck in the City without a Director of Finance license affixed to the truck's lower left windshield corner, unless the operator's home tow truck already carries a valid current-year license from St. Louis County or a municipality with a similar ordinance. Section 13-265 requires the license application to identify the applicant, the business address, and each truck's description, serial and motor numbers. 150, RSMo. Section 13-271 requires each side of a licensed truck to carry, in letters at least two inches tall, the licensee's name and license number, the phrase "licensed tow vehicle - City of Kirkwood," and a request to see the schedule of prices before engaging the vehicle.

Before towing at an owner's request, § 13-272 requires the driver to present a filed price schedule and have the customer sign a work-order statement; charging more than the filed schedule is unlawful. Section 13-275 requires liability insurance or a bond of at least $25,000 per person, $50,000 per accident for bodily injury, and $10,000 for property damage before any license issues, and § 13-276(a) bars cruising, meaning driving slowly to solicit towing business.

Violations & Fines

Operating without a City tow truck license, exceeding a filed price schedule, or cruising for business under § 13-276 all violate Division 5 and expose the operator to license suspension for up to 90 days or outright revocation by the Director of Finance under § 13-269, in addition to any general Code penalty under § 1-8. A license can also be voided immediately if transferred to another person or vehicle without written Director of Finance approval, per § 13-270.

Frequently Asked Questions

Does a tow truck from another city need a Kirkwood license?
Not always. Section 13-264(b) exempts a truck already licensed by St. Louis County or by a municipality with a similar towing ordinance, as long as that license is current for the year and the operator follows that jurisdiction's rules.
What has to be printed on a licensed tow truck in Kirkwood?
Section 13-271 requires letters at least two inches tall on each side showing the licensee's name and City license number, the phrase 'licensed tow vehicle - City of Kirkwood,' and a line telling customers to request the price schedule before engaging the vehicle.
How much insurance must a Kirkwood tow operator carry?
Section 13-275 requires liability coverage, or an equivalent indemnity bond, of at least $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage, before the City will issue a tow truck license.

Sources & Official References

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