Protect your business with specialized insurance for excavators, cranes, bulldozers, and all construction rental equipment. Get instant quotes, competitive rates, and 24/7 claim support.
Get Your Custom QuoteYou're liable for $500K+ if rented equipment is damaged, stolen, or causes property damage
Standard general liability often excludes rented equipment or provides inadequate coverage limits
Equipment rental companies require proof of insurance before releasing expensive machinery
One accident with an excavator or crane can bankrupt your business without proper coverage
Comprehensive coverage up to $2M+ for physical damage, theft, and third-party liability
Specialized rented equipment policies designed specifically for construction contractors
Instant certificates of insurance to satisfy rental company requirements immediately
Affordable premiums and flexible payment plans that protect your cash flow
Protect your business with specialized insurance designed for contractors who rent construction equipment. From excavators to cranes, we've got you covered.
Rodriguez Excavating
“When our rented excavator was stolen from a job site, CCA had us covered within 24 hours. The $180,000 replacement cost could have put us out of business, but their rented equipment policy saved our company. Outstanding service and fair pricing.”
Pacific Construction Group
“We rent heavy equipment for major projects across three states. CCA's rented equipment insurance gives us the certificates we need instantly, and their coverage is comprehensive. We've saved over $50,000 compared to our previous carrier.”
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Rented equipment insurance is specialized coverage that protects contractors when they rent construction equipment like excavators, cranes, bulldozers, and other heavy machinery. When you rent equipment, you become responsible for its full replacement value - often $200,000 to $500,000 or more. Without proper insurance, you're personally liable for damage, theft, or accidents involving the rented equipment. This coverage protects your business from potentially catastrophic financial losses and ensures you can secure equipment rentals from reputable companies.
Most general liability policies either exclude rented equipment entirely or provide very limited coverage that falls far short of the equipment's actual value. For example, your GL policy might only cover $25,000 for rented equipment when the excavator you're renting is worth $300,000. Specialized rented equipment insurance is designed specifically to bridge this gap, providing full replacement value coverage and comprehensive protection that standard policies don't offer.
Rented equipment insurance covers virtually all types of construction and industrial equipment you might rent, including excavators, bulldozers, cranes, loaders, compactors, generators, scissor lifts, boom lifts, forklifts, concrete pumps, trenchers, and specialized tools. Coverage extends to both heavy machinery and smaller equipment, ensuring comprehensive protection regardless of the size or type of equipment your project requires.
The cost of rented equipment insurance typically ranges from $500 to $3,000 annually, depending on factors like the types of equipment you rent, your industry experience, claims history, and coverage limits. Most contractors find that the annual premium costs less than a single day's rental on major equipment, making it an extremely cost-effective way to protect against potentially devastating financial losses. We offer flexible payment plans to help manage costs and maintain healthy cash flow.
Rented equipment insurance provides comprehensive coverage for physical damage including collision, rollover, fire, theft, vandalism, flood, storm damage, and mysterious disappearance. It also covers third-party liability if the rented equipment causes property damage or bodily injury to others. Additional coverage includes expediting expenses for urgent repairs, loss of income due to equipment downtime, and defense costs for legal claims related to the rented equipment.
We provide instant certificates of insurance 24/7 through our online portal. Once your policy is active, you can generate unlimited certificates immediately, adding the rental company as an additional insured and meeting their insurance requirements without delay. This eliminates waiting times that could delay your projects and ensures you can secure equipment rentals whenever needed.
No, rented equipment insurance typically provides blanket coverage for all equipment you rent during the policy period. Whether you rent one excavator or multiple pieces of equipment simultaneously, your policy covers everything up to your selected limits. This approach is much more cost-effective and convenient than trying to insure each piece individually, and it ensures you're never caught without coverage.
If rented equipment is stolen, your rented equipment insurance covers the full replacement cost of the equipment, subject to your policy limits and deductible. We work directly with the rental company to handle the claim efficiently, and in many cases, we can arrange for immediate replacement equipment so your project doesn't face extended delays. Our 24/7 claims support ensures rapid response when theft occurs.
Yes, most rental companies require being named as additional insureds on your rented equipment policy, and we can easily accommodate this requirement. We can add unlimited rental companies as additional insureds at no extra cost, and you can generate certificates naming them whenever needed through our online portal. This satisfies their contractual requirements and allows you to rent from multiple companies with a single policy.
To provide an accurate quote, we need information about your business type, annual revenue, types of equipment you typically rent, estimated annual rental costs, your experience in the industry, and any previous claims history. We also need basic business information like your address, license numbers, and contact details. The quote process typically takes 15 minutes or less, and we can often bind coverage immediately.
Yes, rented equipment insurance covers damage resulting from operator error, accidents, and normal construction activities. Whether an inexperienced operator tips over a crane or an experienced operator encounters unexpected conditions that cause damage, your policy provides protection. This is particularly important since rental companies hold you responsible for damage regardless of the cause or operator experience level.
Rented equipment insurance works alongside your existing business insurance policies to provide comprehensive protection. While your general liability covers most business operations, workers' compensation covers employees, and commercial auto covers owned vehicles, rented equipment insurance specifically addresses the gap in coverage for rented machinery. These policies complement each other without overlap or conflict.
Deductibles for rented equipment insurance typically range from $1,000 to $10,000, depending on your coverage needs and risk tolerance. Higher deductibles result in lower premiums, while lower deductibles provide more comprehensive first-dollar coverage. We help you select the deductible that best balances premium costs with your ability to handle out-of-pocket expenses in the event of a claim.
Yes, most rented equipment insurance policies provide nationwide coverage, allowing you to rent equipment and work in any state. This is particularly important for contractors who work across state lines or take on projects in multiple locations. Your policy travels with you, ensuring consistent protection regardless of where you rent equipment or where your projects are located.
Filing a claim is straightforward through our 24/7 claims hotline or online portal. Report the incident immediately, provide basic details about what happened, and our claims team will guide you through the process. We work directly with rental companies, equipment manufacturers, and repair facilities to expedite claims and minimize downtime. Most claims are resolved within days, not weeks.
Equipment rental companies typically offer their own insurance, but it's often expensive and may not provide complete protection for your business. Rental company insurance might cost $50-100 per day per piece of equipment, while annual rented equipment insurance costs a fraction of that amount. Additionally, your own policy provides consistent coverage regardless of which rental company you use and often includes additional protections like liability coverage.
Yes, comprehensive rented equipment insurance includes liability coverage for damage the rented equipment causes to other property or vehicles. If your rented bulldozer damages an underground utility line or your crane drops a load onto a nearby building, your policy covers the resulting property damage claims. This protection extends beyond just the rented equipment itself to provide complete liability protection.
Most rented equipment insurance policies can be approved and activated within 24 hours, and in many cases, we can provide immediate coverage for urgent situations. Once approved, your policy is active immediately, and you can begin generating certificates of insurance right away. We understand that construction projects often have tight timelines, so we've streamlined our approval process for rapid deployment.
Our rented equipment insurance offers several advantages: instant certificate generation 24/7, no additional fees for adding rental companies as additional insureds, competitive rates with flexible payment options, specialized expertise in construction insurance, and dedicated claims support from professionals who understand your industry. We also provide risk management resources and safety training to help prevent losses and keep your premiums low.
Yes, we customize rented equipment insurance policies based on your specific industry needs and the types of equipment you regularly use. Whether you're in general construction, specialty contracting, demolition, or excavation, we tailor coverage limits, deductibles, and additional protections to match your risk profile. This ensures you get optimal protection without paying for coverage you don't need while avoiding gaps that could leave you exposed.
Protect your rented construction equipment with comprehensive coverage. Get a free quote in minutes and secure your certificates of insurance today.
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