Industries → Vehicle Rental

Coverage built for rental fleet risk.

Renting vehicles to strangers is a different risk than a company fleet driven by employees. Most standard carriers won't touch it. We work with specialty markets that write rental fleet programs and understand exactly what this exposure looks like, whether you're running two vehicles or two hundred.

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Why It's Tough To Place

You're handing the keys to an unknown driver.

When you rent a vehicle to a stranger, you're taking on an unknown driver, unknown habits, and an unknown destination. That's fundamentally different from a company fleet driven by vetted employees. Standard commercial auto carriers price for fleets where the driver is known, and most decline to quote rental operations at all.

We work with specialty admitted and non-admitted carriers that have built programs specifically around the rental exposure. We can quote a two-vehicle operation the same way we'd approach a 20-vehicle fleet.

Coverage Types

The lines every rental operator needs.

A complete rental fleet program layers several coverages together, each addressing a specific exposure unique to the rental model.

Auto Fleet Rental Policy

The backbone of the program: comprehensive, collision, liability, and uninsured/underinsured motorist coverage on every vehicle in your fleet while it's out with a renter.

Commercial Auto

Liability to Renters (LTR)

Protects the renter for third-party liability claims while operating your vehicle, sitting excess over their own personal auto policy. Many operators pass this cost to renters as a daily fee.

General Liability

Garage Liability

If vehicles are stored, washed, or serviced on a lot you operate, garage liability is the correct form, not standard GL, since it covers care, custody, and control of vehicles on your premises.

Garage Liability

Loss of Use

Compensates you for lost rental revenue while a damaged vehicle is being repaired, calculated as your daily rate multiplied by the days the vehicle is down.

Property Insurance
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Who We Work With

Small fleets to full-scale rental operations.

Whatever your rental operation looks like, we build a program around it, not a generic policy that leaves gaps.

  • Small independent operatorsTwo or three vehicles operating out of a simple lot. We build the core program: fleet auto, LTR, and general or garage liability.
  • Growing fleetsAs your fleet scales, we layer in loss of income, rental reimbursement, and hired/non-owned auto coverage as your operation gets more complex.
  • Multi-owner operationsBroadened named insured endorsements extend coverage to co-owners, lessor entities, and holding companies with an interest in the fleet.
  • Corporate account operatorsClients requiring a waiver of subrogation in the rental agreement need that endorsement in place before they'll sign, and we make sure it's there.
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Turn A Cost Into Revenue

The LTR fee strategy, done right.

You purchase LTR coverage as part of your fleet policy, then charge renters a daily fee, typically $8-$16 per day, exactly the way major national chains do it. Over a full year, the fees collected from renters often exceed the annual premium cost.

Conexion tip: not every state regulates daily rental fees the same way, so we review the fee structure and disclosure language in your rental agreement as part of the placement process.

Frequently Asked Questions

Vehicle rental insurance, answered.

The questions we hear most often from rental fleet operators, straight from our team.

Rental operations introduce an unknown driver variable that changes with every transaction, which most standard commercial auto carriers can't price for. We work with specialty markets built specifically for rental fleet risk.
LTR protects the renter for third-party liability claims while operating your vehicle, sitting excess over their own auto policy. Many operators pass the cost to renters as a daily fee of $8-$16.
Yes, if your vehicles are stored, maintained, washed, or serviced at your location, garage liability is the correct coverage form rather than standard general liability.
Yes. We can quote a two-vehicle rental fleet the same way we'd approach a much larger operation, with the right form, the right endorsements, and a premium structure that fits what you're actually running.
Loss of use coverage compensates you for the lost rental revenue while a damaged vehicle is being repaired, calculated as your daily rate multiplied by the days it's down.
Cost depends on fleet size, vehicle types, your lot setup, and rental volume. Because we shop specialty rental fleet markets, we can compare pricing across carriers instead of quoting a single company's rate.

We have markets for rental fleets of any size.

Even if you've been turned down before, tell us about your fleet and lot setup and we'll build the right program.

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Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you, please review your own policy documents carefully and contact us directly for specifics about your account.