I heard a horror story the other day.  A tow company in rural Kansas had a terrible fire that destroyed nearly every car it was storing.  Within hours, the tow company was getting inundated with phone calls from vehicle owners asking for the tow company’s insurance information so they could make a claim.  The tow company called its agent, who was not experienced in selling insurance to tow companies, to submit the claim.  After a few anxious hours, the tow company received horrible news: the tow company didn’t have garage keepers insurance and therefore the claim was denied.    In a matter of minutes, what should have been an insured claim turned into a potential financial disaster.  How can this be avoided?