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For businesses and individuals

Renting heavy equipment such as bulldozers, excavators, backhoe loaders, and motor graders offers numerous benefits for companies in the construction industry. Using rentals helps minimize or avoid ownership costs, such as maintenance, repairs, storage, and transportation, and also provides enhanced fleet management capabilities. Contractors can add machines quickly to meet a sudden increase in demand or use pieces of equipment for specific job site applications.

However, you can’t always count on the rental company to carry enough or the right type of insurance to cover damages or injuries that occur during the rental period. Without adequate insurance protection, you could be on the hook for a substantial sum of money if you’re on the wrong end of a successful liability lawsuit.

construction equipment rental insurance
construction equipment rental insurance

What You Need To Know About Construction Equipment Rental Insurance

What Construction Equipment Rental Insurance Coverage Do You Need?

While coverage requirements vary based on factors such as your specific job site applications, equipment type, and any insurance provided by the rental company, your all-in-one policy should include the following:

  • Commercial Auto (not available in all states): 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.
  • General Liability (GL): A commercial GL plan is a more broad 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 (IM): Inland marine contractors’ equipment insurance is specifically designed to cover tools and machinery used in mobile equipment applications. An IM policy covers losses from events such as inclement weather, theft, accident damage that occurs while the rental is in transit, and incidents involving less experienced operators.
  • Property: 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.
  • Renters Liability: Covers physical damage to any unit(s) under the rental contract.
  • True Umbrella: Our true umbrella can cover any gap, limitation, or exclusion in any other insurance policy in force.

We Are Your One-Stop Source for Heavy Equipment Rental Insurance

XINSURANCE can offer an all-in-one construction equipment insurance plan that gives you True Umbrella protection for your business and personal assets. We specialize in covering the difficult risks that other insurance providers typically avoid. When you partner with us for your liability insurance needs, you’ll have true peace of mind knowing you’re prepared for a worst-case scenario when using rentals at your job sites.

At XINSURANCE, we embrace risks that other insurance providers reject. We’re the company to contact if you have been denied a policy elsewhere or had your coverage non-renewed or canceled. We can also accommodate small and large risks. Get limits up to $10 million, or even $20 million via our reinsurers. If you’d like to keep your existing coverage, we’ll fill in any plan exclusions or gaps leaving you unprotected. You’ll have true peace of mind knowing you’re prepared for whatever liability issues come your way.

Customized Heavy Equipment Insurance That Meets Your Unique Needs

The XINSURANCE underwriting team offers more than 40 years of liability insurance experience. We have the in-house expertise to tailor a plan containing the customized coverages, deductibles, limits, and premiums that work for you and your business. You also won’t waste money paying for protection you don’t need.

We Make Policyholder Service a Top Priority

We support our construction equipment insurance plans with exceptional service. If you have a claim, we’re available 24/7 to get the process started. We can help with new and old claims and even take over existing claims and buy into current litigation. With our no-cost policy review service, you’ll know which areas of your program need bolstering.

About Our Customer Journey

We make getting an all-in-one construction equipment insurance policy fast and easy. Start by filling out and submitting our online application for our underwriting team to review. We’ll contact you to set up a convenient phone conversation to discuss the risk in more detail. Next, we’ll send you a free, transparent quote. When you approve the terms and pay the first premium, your new policy will be issued promptly.

Contact Us or Submit Your Quote Request Today

Make sure you have all your liability bases covered when renting construction equipment. Contact XINSURANCE to learn more about your heavy equipment insurance options today. You can also complete and submit the quote form at the top of this page.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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