What information do you need to submit an application?

When taking an application, our sales associate will need the following information: Name and address of business, type of entity, owner(s) and year the business was established The number of units in your fleet, average age and average value of your units, as well as type of units you carry Type of business (rental only, repair shop, etc.) Type of rentals (i.e., street rentals, insurance replacements) Are any of your units furnished for personal use by owners or employees? Do you provide transportation for customers to and from the rental site? If so, how are customers transported? Counter and maintenance procedures Copy of rental agreement

Rental Business Insurance:
Auto, Truck, RV

An Insurance Provider That Understands Your Business

Your auto rental business is built on providing mobility and convenience, but it operates in a landscape of complex risks. You need an insurance provider that understands the unique challenges of your industry. With more than 35 years of experience, Zurich is a leading provider of insurance solutions for the auto rental industry, serving smaller independent operators to some of the largest rental operations in the U.S.

We collaborate with you to address your concerns as risk scenarios evolve. Our dedicated, customer-focused team stays current on industry trends to help you build confidence in your risk management strategy. We understand the complexities of insuring diverse fleets—from cars and trucks to RVs—and tailor commercial vehicle coverage to fit your unique needs, including auto liability, physical damage, and supplemental protection for your customers. Our goal is to help you protect your assets and build a more resilient business, allowing you to focus on serving your customers.

Insurance solutions for Commercial Fleet

Auto Liability Insurance

Our broad commercial 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.

Auto 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.

Contingent Lease Program

Offers contingent and excess liability coverage designed to provide insurance protection for you, the leased vehicle owner, against liability and physical damage claims.

Lessor’s Contingent Liability
Coverage applies if the lessee’s insurance is not in force, or is otherwise noncollectable at the time of a loss.

Lessor’s Excess Liability
Provides Excess Liability insurance to protect the lessor in the event the lessor is named as an additional defendant due to a loss caused by the lessee.

Lessor’s Contingent
Physical Damage Coverage applies if the lessee’s physical damage insurance is not in force or is noncollectable at the time of a loss.

Interim Liability and Physical
Damage Coverage Provides coverage for pre and post leased vehicles while in the lessor’s possession.

Ask for more information about additional coverage options.

Enhance Customer Protection and Drive Revenue

Your relationship with your customer extends beyond the rental agreement. The supplemental coverages you offer at the counter are crucial for providing peace of mind while creating a significant income stream for your company. Zurich provides a suite of reliable counter products designed to add value for your customers and enhance your profitability. These solutions are easy to explain and implement, helping you build customer trust while strengthening your bottom line with every rental.

Resources

Contact us

Fleet Management Portal

Auto Rental Digital Brochure
Auto Rental Fleet Counter Product Brochure
Auto Rental Contingent Lease Program Brochure
Auto Rental Training Program

Risk Engineering

Through Zurich Resilience Solutions, we provide specialized insights and tools to support our customers with solutions addressing traditional and evolving risks – above and beyond insurance.

Learn more

Claims Services

Zurich Claims specialists are strategically deployed in the U.S. and around the globe to help customers mitigate and respond to loss events, and to gain insights into becoming more resilient against future losses.

Learn more

FAQs

We offer auto liability and auto physical damage. Supplemental liability insurance, personal accident coverage, personal property coverage and rental liability insurance are also available.

Our supplemental products can be a valuable source of income for businesses that qualify. Our sales associates can provide you more details regarding these products, including benefits provided, limits and exclusions.

To obtain a quote, complete the information on the contact us page and one of our dedicated sales associates will contact you. They can take an application over the phone, usually in less than 30 minutes.

When taking an application, our sales associate will need the following information:

Name and address of business, type of entity, owner(s) and year the business was established
The number of units in your fleet, average age and average value of your units, as well as type of units you carry
Type of business (rental only, repair shop, etc.)
Type of rentals (i.e., street rentals, insurance replacements)
Are any of your units furnished for personal use by owners or employees?
Do you provide transportation for customers to and from the rental site? If so, how are customers transported?
Counter and maintenance procedures
Copy of rental agreement

To make a new claim on an existing policy, call 800-987-3373.

Upon submission of a completed application, along with supporting documents of your rental operation, Zurich provides a quote based on your state’s required financial responsibility limits, plus any optional coverages you’ve selected.

Our typical turn-around time is three business days.

Our experienced sales associates can typically complete the application within 30 minutes.

Since all premiums are invoiced in arrears, we collect a deposit in the event of any outstanding premiums due.

Deposit monies are continuously rolled over to each renewal term and refundable upon non-renewal by either Zurich or the insured. If there are unpaid premiums at the time of cancellation, those monies will be subtracted from the deposit amount and the unused difference will be returned to you.

Yes, Zurich provides coverage for these type of rental vehicles, however, an additional premium may be applicable and approval is required prior to adding to rental fleet.