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.
Physical Damage Coverage for Your Rental Fleet
Your machines are your livelihood, and renters are hard on equipment. A single rollover can total a $30,000 side-by-side in seconds. Rental equipment physical damage (sometimes called rental units / inland marine coverage) protects the vehicles you own and rent out, including while a customer is operating them off-road.
What's Covered
- Rollovers: The most common and most expensive UTV loss
- Collision: Renter hits a rock, tree, another machine, or terrain
- Theft: Machines stolen from your lot, a trailer, or a staging area
- Fire & vandalism: Damage from fire, weather events, and vandalism
- In-transit: Damage while you haul the fleet on trailers to staging areas
Why a Damage Deposit Isn't Enough
Many owners rely on a credit-card damage deposit and a signed waiver. But a $1,000 hold doesn't begin to cover a totaled machine, a bent chassis, or a roll cage replacement — and chasing renters for repair costs is slow and often fruitless. Physical damage coverage means a wrecked unit gets back into your revenue-generating fleet fast.
Scheduling Your Fleet
Carriers typically schedule each unit by VIN/serial and value, or cover the fleet on a blanket limit. As your fleet grows and turns over, we keep your schedule current so you're never under- or over-insured. Replacement-cost valuation keeps you whole when a newer unit is destroyed.
What's Covered
Frequently Asked Questions
Rarely. A damage deposit might cover a scratch, not a rolled or totaled machine. Physical damage coverage protects the full value of your fleet so one bad day doesn't sideline your business.
Yes — that's the entire point of rental equipment physical damage coverage. It responds to damage that occurs while a renter is operating your unit on the trail.