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Commercial Fleet Insurance

white van fleet

Commercial Fleet Insurance

Operational risk is an unavoidable part of the automotive rental business.

Auto liability and physical damage coverages are vital for auto and truck, recreational vehicle, contingent lease and customer service fleet rental enterprises of any size.

Why Zurich?

We are one of the leading providers of insurance solutions for the auto rental industry, bringing more than 25 years of experience to the businesses we help protect. As the largest provider of property-casualty insurance to the franchised auto rental industry, we’re ready to help with coverage that fits your needs.

Our knowledgeable, dedicated and customer-focused team stays current on local and national industry trends, and – most importantly – listens to you to address your concerns as risk scenarios and potential impacts evolve. We know what it takes to tailor coverage for car rental fleets, as well as companies that rent RVs, passenger vans and more.

Fleet Management Portal

Secure access 24 hours a day, seven days a week, with automated premium calculation, online and eZPay payment options, tips and resources.

Zurich Delivers
Claims capabilities and commitment

We’re ready to respond, with a 24-hour claims reporting hotline, online claims services, a Major Loss team and an ability to subrogate claims.

Insights in action
Managing risks to help reduce losses

Zurich’s Risk Engineering team offers valuable tools, services and training tailored for automotive rental operations.



Auto liability

Our broad commercial rental fleet insurance offering covers:

  • Financial responsibility limit – State-mandated liability coverage for at-fault bodily injury and property damages
  • Uninsured motorists – Coverage for losses due to a negligent, uninsured third party
  • Underinsured motorists – Coverage for losses due to a negligent third party lacking sufficient insurance
  • No-fault personal injury protection (PIP) – Coverage for economic losses for injuries caused by automotive accidents, regardless of who was at fault
  • Owner limits – Insurance protection for bodily injury and property damage liability resulting from ownership, maintenance or use of covered automobiles*

* Coverage is not provided for personal use of vehicles by employees unless specifically endorsed.


Physical damage

Vehicle protection coverage includes:

  • Specified perils – Fire, lightning, windstorm, hail, earthquake, flood explosion, theft*, vandalism, sinking, burning, collision or derailment transporting covered auto, and more
  • Comprehensive – Losses to covered vehicles or their equipment from any cause of loss except collision with another object or its overturn, conversion/trick and devise, or exclusions such as rust, vermin and depreciation
  • Collision – Damage to insured vehicles due to colliding of an automobile (stationary or moving) with any object (stationary or moving), including overturning (upset) of insured auto
  • Catastrophic** – Protects large fleets from occurrences such as hail, wind or tornado; applies to all forms of physical loss except collision, overturn and conversion

* Excluding conversion
** All loss or loss occurrences covered by this endorsement must involve two or more insured autos.
Note: Physical damage coverage is not provided for conversion, false pretense or trick and devise.

woman in rental car

Counter products

Our solutions extend beyond our broad auto rental business insurance offerings, adding value that can translate into a significant income stream for your company. Our supplemental insurance coverage and services include:

  • Supplemental Liability Insurance (SLI)
  • Personal Property Coverage (PPC)
  • Personal Accident Coverage (PAC)
  • Rental Liability Insurance*

Zurich also offers ancillary coverages your business may need, including Property, General Liability, Business Auto (shuttles)* and Garage Liability*.* Not available in all states

Counter products

Zurich has supplemental insurance products available for resale rental operator customers:

  • 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) offers 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) reports an accident medical expense benefit and accidental death benefit for the rentee and passengers for bodily injury that 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.
  • Zurich Rental Program Training capability delivers an innovative experience that is on demand on any device. Training is required and ensures each team member receives an individualized, self-paced training experience, delivered in a consistent manner, every time. Progress and completion are tracked and reported. Find out more about Zurich’s Rental Program Training.

* Not available in all states.