Looking for Auto Rental Services Insurance?
Protect your auto rental business from vehicle damage, liability claims, theft, and customer injuries. Harper provides insurance for car rental agencies, exotic and specialty rentals, and peer-to-peer rental operations, with fast certificates for lenders, landlords, and partners.
What is Auto Rental Services Insurance?
Auto rental insurance protects businesses that rent vehicles to customers from claims arising from accidents, theft, and property damage. Coverage typically includes commercial auto liability, physical damage for your fleet, and garage or general liability. Lenders and lot owners often require proof of insurance before financing vehicles or leasing space.
Fleet Protection
Coverage for rental vehicles, including liability, collision, and comprehensive protection.
Rental Operations Coverage
Protects your business against claims arising from customers renting and operating your vehicles.
Business Property
Covers office equipment, lot facilities, signage, and other owned business assets.
Certificates
Fast proof of insurance for lenders, landlords, and business partners.
Who Needs Auto Rental Services Insurance?
- Car rental agencies : Businesses requiring specialized insurance coverage
- Exotic and luxury car rental services : Businesses requiring specialized insurance coverage
- Peer-to-peer rental platforms : Businesses requiring specialized insurance coverage
- Truck and van rental companies : Businesses requiring specialized insurance coverage
Why Harper?
Auto Rental Expertise
Auto rental operations carry higher exposure than standard commercial auto risks. Harper understands the liability gaps, customer usage risks, and carrier restrictions involved in vehicle rentals and places coverage designed for real rental operations.
Fast Proof for Lenders
Banks and leasing companies financing your fleet require accurate insurance documentation. Harper delivers certificates quickly and assists with lender-specific requirements to keep transactions moving.
Clear, Practical Guidance
We explain commercial auto, physical damage, garage liability, and rental-specific coverage in straightforward terms so you understand what applies to your fleet and operations.
Coverage Matched to Your Fleet
Whether you rent economy vehicles, luxury or exotic cars, trucks, or specialty units, Harper helps align coverage with your inventory and rental model.
Frequently Asked Questions
What insurance do auto rental businesses need?
Most auto rental businesses need commercial auto liability, physical damage coverage for their fleet, and garage or general liability for premises exposure. Workers' compensation is required if you have employees.
Is auto rental insurance required?
Yes. State laws require commercial auto coverage, and lenders typically require physical damage coverage on financed vehicles.
How much does auto rental insurance cost?
Costs depend on fleet size, vehicle types, location, and rental model. Smaller operations may pay $5,000–$15,000 annually, while larger fleets or exotic vehicle rentals often pay significantly more.
Does insurance cover customer accidents?
Commercial auto liability applies when customers cause accidents while operating rented vehicles, subject to the policy's terms and limits.
Does insurance cover theft?
Comprehensive coverage may protect your vehicles from theft. Gap coverage can sometimes be added if a vehicle’s value exceeds the remaining loan balance.
Can I require renters to have their own insurance?
Yes, but your commercial policy should still provide primary coverage. Renter insurance typically acts as secondary protection.