Coverage lines

Insurance built line-by-line for equipment rental companies.

Each policy below addresses a specific exposure in equipment rental — from the equipment floater that follows your fleet off the yard to the rented-to-others coverage your business model depends on. Standard commercial policies miss most of it.

Essential coverage

Inland Marine / Equipment Floater Insurance

The coverage that defines a rental yard's risk. An equipment floater follows your owned rental equipment to customer job sites, in transit on your trucks, and anywhere else it operates — covering theft, physical damage, vandalism, and mysterious disappearance. Standard commercial property covers only your yard; the floater covers the fleet once it leaves the gate.

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General Liability for Equipment Rental Companies

Third-party bodily injury and property damage protection for a rental operation — a customer injured while operating your equipment, property damage at a delivery site, and the products-and-completed-operations exposure that follows equipment you own and rent to others. Structured with the limits and additional-insured terms commercial customers require.

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Equipment Breakdown Insurance

Covers the sudden and accidental internal mechanical or electrical failure of rental equipment — a seized transmission, a failed hydraulic pump, a shorted electrical system. Your equipment floater excludes internal breakdown; this coverage fills the gap that high-utilization rental fleets run by many different operators need most.

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Rented-to-Others Coverage

A specialized inland marine endorsement built for companies that own equipment and rent it to paying customers. It addresses the unique exposure created when your equipment sits in a customer's care, custody, and control — covering damage, abuse, and loss that ordinary floaters were never built to handle. If you rent out equipment you own, this is the coverage that makes the business model insurable.

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Commercial Auto for Rental Fleets

Coverage for the delivery trucks, flatbeds, lowboys, and trailers you run to move rental equipment — liability, physical damage, uninsured/underinsured motorist, and hired and non-owned auto for employees on business. Trailers scheduled at real replacement value; coverage coordinated with the inland marine floater so there's no gap in transit.

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Workers' Compensation for Rental Businesses

Coverage for the real injury patterns in equipment rental work — heavy-lifting and loading injuries, delivery-driving incidents, and mechanic injuries around running equipment. Proper class codes for yard staff, drivers, and mechanics so you're neither overpaying nor exposed at audit or claim time.

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Commercial Umbrella Insurance

Excess liability that sits above your general liability, commercial auto, and employers' liability — so when a serious truck accident or a severe injury from rented equipment exceeds the underlying limits, the umbrella responds and your business and personal assets aren't left in the gap. Often required by the large commercial customers you want to rent to.

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Not sure which lines you need?

Most rental yards bundle equipment floater + rented-to-others + general liability + commercial auto + workers' comp + umbrella into one coordinated program. We'll build the right mix in one call.

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