Coverage Options
SxS & UTV Rental Insurance
Every policy a side-by-side, UTV, or ATV rental and tour operator needs — in one place, from specialists who know the risk.
General Liability Insurance
General liability is the foundation of any UTV rental or off-road tour business. It protects against third-party claims of bodily injury or property damage arising from your operations.
Rental Equipment Physical Damage
Rental equipment physical damage covers your fleet — the side-by-sides, UTVs, and ATVs you rent out — against rollovers, collisions, and damage caused while in a renter's hands.
Participant Accident Insurance
Participant accident coverage pays medical benefits to your renters and guided-tour participants who are injured during your activity — often on a no-fault basis that helps prevent lawsuits.
Abuse & Molestation Liability
Abuse & molestation liability covers claims of abuse or molestation involving your staff or guides — essential for guided tours, youth groups, and any operation where employees interact closely with participants and minors.
Commercial Auto Insurance
Commercial auto covers the vehicles your business uses on public roads — the trucks, vans, and trailers you use to transport your UTV fleet, shuttle customers, and run the operation. Personal auto excludes business use.
Garage & Premises Liability
Garage and premises liability covers the physical location where you store, service, and rent your fleet — protecting against customer injuries on site and claims arising from your maintenance and repair work.
Workers Compensation Insurance
Workers comp is legally required from your first employee in most states and provides medical and wage-replacement benefits to staff injured on the job — guides, mechanics, and lot crew.
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