Insurance For Your ATV Rental Business
Get coverage to protect your business, specifically built to meet your unique needs.
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With great adventure comes great risk. Make sure your business has coverage beyond what standard insurance can offer
Renting out off-road vehicles can be an exciting and profitable business venture. But it’s also a business that can come with a lot of inherent risks and unexpected dangers.
When running an ATV rental business, it’s crucial to account for those risks and protect your business legally and financially with non-standard insurance.
Could Your Business Benefit from Better Coverage?
When renting out ATVs, there are a number of risks that are difficult or impossible to control —many of which increase the likelihood of accidents or injuries. Some of the most common include a lack of proper safety precautions, rough terrain, climbing steep hills, exceeding passenger capacity, speeding, and reckless, inexperienced or intoxicated driving.
Waiver systems and traditional insurance policies can only offer so much coverage, and when things go wrong they are often insufficient to fully protect your business from financial losses and threats to your livelihood.
XINSURANCE can help you extend coverage limits, attain coverage specific to your needs, and cover any gaps or exclusions unprotected by your current insurance policies.
Types of Business
- ATV Rentals
- Utility Task Vehicle (UTV)
- Off-Highway Vehicles (OHS)
- Four Wheelers
- Quad Bikes
- Tour Guide Businesses
- Rental Businesses
- Operation Courses
- Offroad Parks
- And More!
Coverages
Rental Liability
Covers physical damage to the rented vehicle(s)
Fleet Insurance
This insurance enables you to provide identical coverage for multiple vehicles under one policy.
Commercial Auto
A commercial auto policy provides a combination of coverage accounting for liability, physical damage — collision and comprehensive — and medical payments *(available in most states)
Commercial General Liability
If your business provides ATVs rentals, training, driving instruction, or guided tours, CGL coverage is essential for protecting against third-party bodily injury and third-party property damage claims
Property Damage
Damage caused to third-party property by a rented vehicle
Personal Liability
This coverage protects individuals from liability claims due to mishaps resulting from their personal activities when operating a rental vehicles
Tru Umbrella
Our Tru Umbrella policy can cover the gaps and exclusions in an existing insurance policy. Learn more.
Frequently Asked Questions
Do you offer physical damage coverage while the unit is rented?
Yes, we can offer physical damage while the unit is rented and/or while it is stored.
Are helmets required?
Yes.
Do you cover 3rd party liability?
Yes, we can offer a separate policy that covers the renters for 3rd party liability. It also covers the unit for physical damage while it is under the care, custody, and control of the renter.
Do you offer payments?
Yes, pending season length.
Is theft covered under my physical damage policy?
No, not while rented.
How long is the policy period?
It is an annual term, rated off your exposure.
What is the minimum operating age?
18 or manufacturer guidelines.
What is the minimum rental age?
21.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
Learn More
Do you offer physical damage coverage while the unit is rented?
Yes, we can offer physical damage while the unit is rented and/or while it is stored.
Do you cover 3rd party liability?
Yes, we can offer a separate policy that covers the renters for 3rd party liability. It also covers the unit for physical damage while it is under the care, custody, and control of the renter.
Is theft covered under my physical damage policy?
No, not while rented.
What is the minimum operating age?
18 or manufacturer guidelines.
Keep Doing What You Love With the Protection You Need
ATV rental insurance is available for guides, instructors, tours, rentals, and more! We also provide solutions beyond ATVs alone, with options for quad bike and UTV rental insurance.
The XINSURANCE sign-up process takes a hands-on and highly engaged approach to helping you find the best coverage for your needs. Submit a quote request today and get in contact with a member of our team to learn more.
Know the Facts
Hospitalizations due to off-highway vehicle-related emergencies were found significantly increased in the year 2020, compared with the 4 prior years.
A safety study in 2022 found that over 70% of fatalities involved vehicle rollover crashes, and over 30% were pinned or stuck by the vehicle.
In 2020, some of the most common injury types were fractures, contusions/abrasions, internal organ injury, strain or sprains, and lacerations.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help. THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. The whole process of finding a plan that worked for us was almost too easy.
– Leslie S.
Very easy process to get my bike insured, any concern I had, these guys was quick to respond by email, I would definitely use this company again, Thanks guys.
– Derek S.
Your Trusted Team For Tackling the Unexpected
Fighting for You is What We do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All In One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Homeowners
Have you ever had an insurance risk that couldn’t be covered by your standard homeowners policy? Or the value of your house is not covered with your current policy limit? There’s a wide range of reasons why a standard homeowners policy may not be able to offer you sufficient coverage; contact us to see how you can better protect your home.
Jet Ski Rentals
Whether you’re an individual or an owner of a jet ski rental business, we can offer a plan that provides coverage specific to your needs and circumstances. Get the coverage you need Before you have to go without it when disasters occur.
Tru Umbrella
Tru Umbrella coverage is customized to fit your unique needs, consolidate your policies, and provide protection for what other policies exclude, including animal liability, homeowner’s and personal liability coverage.