Coverage Options
Trailer Rental Business Insurance
Every policy a trailer rental business needs — in one place, from specialists who understand the rental model.
Rental Fleet Physical Damage
Rental fleet physical damage (inland marine) is the foundation of trailer rental coverage. It protects the trailers you own and rent out against physical loss — whether they're sitting on your lot or being towed down the highway by a customer.
Garage & Garagekeepers Insurance
Garage and garagekeepers coverage handles the operations side of a trailer rental lot — premises liability, the work your staff do moving and hitching units, and your liability for customers' tow vehicles parked or handled on your premises.
Liability for Rented Units
When your rented trailer is part of an accident — a unit breaks loose, a load shifts, or a customer causes a collision — injured parties name the trailer's owner. Liability for rented units protects your business from those third-party claims.
Contingent & Excess Liability
Contingent liability sits behind the renter's policy — it responds when the customer's coverage is the primary payer but falls short. For a rental business, it's the safety net for the uninsured or underinsured renter.
Commercial Auto Insurance
Commercial auto covers the vehicles your business owns and operates — delivery trucks, yard trucks, and tow vehicles used to move trailers to customers and back. Personal auto policies exclude this business use.
Workers Compensation Insurance
Workers comp is required from your first employee and provides medical and wage benefits to injured staff. Trailer rental yards involve heavy lifting, hitching, and vehicle movement — real injury exposure for your team.
Commercial Umbrella Insurance
Umbrella insurance extends your primary liability limits. A serious accident involving a loaded rental trailer can produce a claim well beyond a $1M primary limit — an umbrella is the most cost-effective way to carry catastrophic limits.
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