Auto rental insurance solutions for rental operators

Auto rental coverage

Auto and truck             |             Recreational vehicle             |             Contingent lease             |             Service loaner fleets

woman renting car

Auto liability

  • Financial responsibility limit – State-mandated liability coverage for at-fault bodily injury and property damages.
  • Uninsured motorists – Coverage applies for losses due to a negligent third party that has no insurance. 
  • Underinsured motorists – Coverage applies for losses due to a negligent third party that does not have enough insurance. 
  • Personal injury protection (no fault) – Coverage for economic losses for injuries caused by automotive accidents regardless of who was at fault. 
  • Owner limits – Provides insurance protection for bodily injury and property damage liability resulting from the ownership, maintenance or use of covered automobiles. Coverage is not provided for personal use of vehicles by employees unless specifically endorsed. 

row of gray cars

Physical damage

  • Specified perils – Coverage for specific exposures. Perils include fire, lightning, explosion, theft (excluding conversion), windstorm, hail, earthquake, flood, mischief or vandalism, sinking, burning, collision or derailment transporting the covered auto.
  • Comprehensive – Covers losses to covered autos or their equipment from any cause of loss except collision with another object or its overturn, conversion/trick and devise, or anything specifically excluded such as rust, vermin and depreciation.
  • Collision – Coverage for damage to insured vehicles due to the colliding of an automobile, stationary or moving, with any object, stationary or moving. Also includes overturning (upset) of insured auto.
  • Catastrophic – Broad coverage is designed for large fleets that do not want to incur the expense of insuring each vehicle but desire protection from catastrophic occurrences, such as hail, wind, or tornado. Coverage applies to all forms of physical loss except collision, overturn and conversion. All loss or loss occurrences covered by this endorsement must involve two or more insured autos.

Note: Coverage is not provided for conversion, false pretense or trick and devise.

woman and man at rental desk

Counter products    

Zurich offers supplemental insurance products available for resale rental operator customers.  These products can be a valuable source of income for your business.  

  • Supplemental liability insurance (SLI) provides additional insurance protection for the rentee and any listed authorized drivers against claims made by third parties for bodily injury, death and/or property damage caused by the use or operation of the rental vehicle.
  • Personal property coverage (PPC) provides insurance protection for the rentee's personal property 24 hours a day, in or out of the rental vehicle (other than personal residence) during the rental period.
  • Personal accident coverage (PAC) provides an accident medical expense benefit and accidental death benefit for the rentee and passengers for bodily injury which results from an accident during the rental period.
  • Rental liability insurance* provides primary protection for the rentee and any listed authorized drivers against claims made by third parties for bodily injury, death and/or property damage caused by use of the rental vehicle. Protection is provided up to the financial responsibility limits in the state.
* Not available in all states

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Ancillary

  • Property 
  • General liability
  • Business auto (shuttles)*
  • Garage liability*

Claims

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Customer care center

  • 24-hour claims reporting hotline
  • Online claims
  • 1st report of loss
  • Claims Service Center
  • Major loss team
  • Ability to subrogate claims

Fleet management

hand and mouse

Fleet management portal