Construction Equipment Rental Insurance

Specialty insurance solutions tailored to your unique needs.
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Coverage, safety, and peace of mind: get the best construction equipment rental insurance today.

Power through your projects with confidence and peace of mind, knowing that your construction equipment rentals are protected. XINSURANCE safeguards your investments and operations with customized insurance solutions.

What is Construction Equipment Rental Insurance?

Construction equipment rental insurance provides financial protection and liability coverage for individuals or businesses renting construction equipment. It provides coverage for potential risks such as damage to the equipment, theft, accidents, and liabilities that may arise during the rental period.

Having construction equipment rental insurance is crucial for several reasons. It provides peace of mind and compliance with rental company requirements, ensuring uninterrupted projects and shielding renters from potential legal and financial complications.

At XINSURANCE, we offer customized solutions to address insurance gaps with simplified all-in-one coverage options, limits of up to $20 million, dedicated support in claims, and over 40 years of experience in the industry. Don’t leave your construction equipment or business exposed to potential risks – partner with XINSURANCE for true peace of mind.

Who We Can Help

  • Construction Companies
  • Contractors
  • Homeowners
  • Landscapers
  • Farmers
  • And More!
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Coverage Options

Commercial Auto*

Commercial auto insurance covers accident-related costs resulting from the use of equipment, such as when machine operators cause damage to property or injuries sustained by third parties. It also covers losses to the rental, such as collision, fire and vandalism damage, and theft. Learn more.

*Available in most states

General Liability

A commercial GL plan is a broader form of business liability insurance that offers protection in the event of injuries and damage sustained by third parties due to the rental equipment operator’s negligence.

Inland Marine

Inland marine contractors’ equipment insurance is designed to cover tools and machinery used in mobile applications. It can cover losses from events such as inclement weather, theft, accident damage that occurs while the rental is in transit, and incidents involving less experienced operators.

Renters Liability

Covers physical damage to any unit(s) under the rental contract.

Property Coverage

While a commercial property insurance policy protects items that your business owns — such as computers, inventory, documents, and machinery — from damage caused by covered perils, it also covers property owned by others while it’s in your possession, including rental equipment. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Pollution Clean-Up

Covers the costs associated with pollution clean-up caused by your business.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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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

FAQ: Construction Equipment Rental Insurance

What Types of Construction Equipment Do You Cover?

We provide heavy equipment insurance solutions that cover a variety of construction equipment, including:

  • Bulldozers
  • Excavators
  • Backhoes
  • Cranes
  • Forklifts
  • Dump Trucks
  • Loaders
  • Graders
  • And More!

What Does Construction Equipment Rental Insurance Cover?

The coverage that construction equipment rental insurance can provide will depend on your unique circumstances. XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want on your insurance policy.

Typically, our construction equipment rental insurance solutions can cover physical damage coverage for the equipment itself, liability coverage for injuries or damage caused to third parties, coverage for theft and vandalism, and more.

Do I Need Construction Equipment Rental Insurance?

It depends on your rental agreement. Many rental companies require you to have a certificate of insurance before they will rent to you. Even if it isn’t required, it is still wise to carry coverage to protect yourself and your business from potential financial loss due to equipment damage, loss, or liability claims.

How Much Does Construction Equipment Rental Insurance Cost?

The cost of construction equipment rental insurance can depend on several factors, including the value of the equipment being rented, the expected rental duration, the type of project being undertaken, and the level and types of coverage desired. It’s best to contact XINSURANCE if you’d like to get an accurate estimate.

Can I Be Insured if I've Been Dropped or Rejected by an Insurance Company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Insurance for Construction Contractors

If you’re a construction contractor, we can provide an insurance solution tailored to your needs. If you already have an insurance policy, we can take a look at it to see if you have any gaps or exclusions that are leaving you exposed. Then, we can offer a solution that leaves you better protected. Ask about our policy review today!

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

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