This towing insurance form covers the insured as legal liability on all lawful goods and articles accepted by the named insured, while in due course of transit or in the process of recovery by a scheduled vehicle. With East Coast Insurance Group LLC coverage for loading and unloading is also provided for this service. Some policies limit coverage strictly to 'autos or vehicles.' There is no coverage for items such as forklifts, boats, equipment or machinery that you may transport because they are not 'autos' by definition. Our on hook/cargo forms cover any lawful goods or articles that you may transport.