Motorcycle Rental Insurance

Specialty insurance solutions for businesses and individuals
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Ride with confidence - comprehensive motorcycle rental insurance solutions tailored to your needs.

Protect your motorcycle rental adventure with XINSURANCE – specialized coverage solutions designed for motorcycle rental companies and individuals who rent motorcycles, ensuring peace of mind and worry-free rides.

What is Motorcycle Rental Insurance?

Motorcycle rental insurance is a specialized type of coverage designed for rental situations, providing financial protection in the event of accidents, damage, theft, or other unforeseen circumstances. It is important for both motorcycle rental companies and individuals renting motorcycles to have this insurance because it helps cover the cost of accidents or damages involving the rented motorcycle, liability claims, and other expenses that could result from a mishap during the rental period. It provides peace of mind and helps ensure worry-free rides, allowing renters to focus on enjoying their adventure without worrying about costly risks and uncertainties. Having motorcycle rental insurance not only protects the renters but also the rental company from potential financial losses.

For motorcycle rental enthusiasts, XINSURANCE is the ideal partner to have by your side. With 40+ years of experience in the industry, we understand the unique risks and challenges of owning a motorcycle rental business and renting motorcycles. Tell us your situation and we will offer a customized insurance solution tailored to your unique needs.

Who Should Have Motorcycle Rental Insurance

  • Motorcycle Rental Companies
  • Individuals Renting Motorcycles
  • Motorcycle Tours
  • Motorcycle Guides
  • Motorcycle Riding Instructors
  • And More!
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Coverage Options for Motorcycle Rental Insurance

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Renters Liability

Covers physical damage to units while being rented and personal liability for the renter. Renters liability is only available if the rental company has purchased general liability through XINSURANCE.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being stored, transported, or rented. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

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

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Garage Keepers Legal Liability (GKLL)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control.

Hired & Non-Owned Auto*

Covers expenses for third-party property damage and bodily injury when an accident occurs with a motorcycle, used for business purposes, that isn’t owned by the company.

*Available in most states

Alleged Assault and Battery Liability

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

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you or an employee 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.

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.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, 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 About Motorcycle Rental Insurance

Do You Cover Individuals Who Rent Motorcycles?

Yes, we can provide customized insurance solutions for individuals and riders who want to rent a motorcycle. This insurance is only available to the renter if the rental company they are renting from has proper insurance.

We can provide coverage solutions such as general liability, auto liability coverage, personal liability, physical damage coverage, and more.

Do You Provide Motorcycle Ride Sharing Insurance?

Ridesharing is increasing and competing against traditional rental companies. Many companies offer a more convenient option that allows you to rent or borrow a motorcycle from another person.

The problem with ridesharing apps and companies is that their insurance policy can be lackluster. These policies could be minimal, with gaps and exclusions that leave you exposed. After you book a rental, you can always have us review the insurance policy to identify these gaps. For extra coverage, we can provide a TRU Umbrella solution with an extra layer of protection so you can ride with true peace of mind.

Do You Provide Electric Bike Rental Insurance?

Yes, we can provide customized insurance solutions for electric bike rental companies. Coverage options would be similar to that of motorcycle rental insurance. Contact us today for an e-bike rental insurance quote!

Do You Provide Insurance for Slingshot Rentals?

Yes, we can provide slingshot rental insurance solutions to businesses and individuals. Coverage options would be similar to that of motorcycle rental insurance. Contact us today for a slingshot rental insurance quote!

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.

What Does Motorcycle Rental Insurance Cover?

Typically, motorcycle rental insurance covers damage to the rented motorcycle, loss, and liability protection in case of accidents or injuries to other people or property.

However, The type of insurance coverage you need, whether a business or individual, 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 to have on your insurance policy.

Is Personal Motorcycle Insurance Enough to Cover a Rented Motorcycle?

Personal motorcycle insurance often does not extend coverage to rented motorcycles. In most cases, separate rental insurance is recommended to ensure adequate protection.

How Much Does Motorcycle Rental Insurance Cost?

The cost of motorcycle rental insurance can vary based on factors such as the rental duration, the type of motorcycle being rented, the coverage options selected, the rental company you’re renting from, years of operation, claims history, and more. We recommend you contact us to get an accurate estimate of the cost.

A lot of people look for the cheapest insurance but don’t realize how limited their coverage is. It is often worthwhile to invest in quality insurance to ensure adequate protection and avoid potential financial hardships in the event of an incident or claim.

Why Should I Have Insurance?

You need insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some areas, liability insurance may be required.

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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