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The demand for scooter transport has given rise to many different rental companies offering all kinds of different scooters available for hire. From gas-powered to electric and even manual-powered, no matter the type of scooter, they need to be covered for the risks of city driving. XINSURANCE can provide scooter rental insurance solutions to businesses across the country.

With XINSURANCE, you can have an all-in-one policy that provides customized coverages built into one policy. We can also fill the gaps and cover the exclusions in your existing insurance policy that insurance companies can’t or won’t provide. Whatever you need, we can help to find the best insurance solution for you and your scooter rental business!

scooter rental insurance for scooter rental companies
scooter rental insurance for scooter rental companies


Scooter Rental Insurance Coverage Options

We offer scooter rental insurance coverage solutions through an all-in-one policy that allows you to have all of your coverages under one policy. If you have gaps and exclusions in your current policy, we can offer a Tru Umbrella solution that will fill those gaps. Examples of coverage include:

  • Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
  • Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
  • Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
  • Garage keepers legal liability (GKLL): Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control.
  • Hired & non-owned auto (not available in all states): Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.
  • Physical damage: This can include damages to the scooter arising from accidents and collisions.
  • Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
  • Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
  • 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.
  • Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
  • Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
  • Tru Umbrella / Personal liability: Additional coverage to fill the gaps and exclusions in your existing policy. Personal liability protection in the event of an accident and a claim is made against you.
  • And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

The Risks of Scooters

Scooters are known to be a liability.

A scooter is only as good as the person riding it. The vehicle can be a brand new, top-of-the-range model with the highest ratings for reliability and safety but if it’s in the hands of someone inexperienced at riding scooters, the risk it carries will be just as high as an older, used scooter.

While these vehicles are easy to ride, becoming a safe scooter user requires practice and experience. If a person is on vacation or uses a scooter occasionally, they don’t have time to put in hours of practice – they just want to get to their destination or see the city as quickly and conveniently as possible. The more scooters there are on the streets, the higher the risks, as there are more and more inexperienced riders using them.

A lot of accidents and damage to property and persons alike are caused by a wayward or badly driven scooter. The proliferation of incidents gives rise to many damage or injury claims being filed.

Unfortunately for scooter rental business owners, this means it’s almost impossible to get insurance for this high-risk business category. Without insurance for scooter rental companies, many such businesses find themselves facing financially ruinous claims. They sometimes shut down their operations overnight.

Moped Rental Insurance

XINSURANCE can also provide moped rental insurance solutions for businesses across the country.

But what’s the difference between a moped and a scooter? The main thing is that a moped can have less engine power than a scooter. As a result, mopeds can have better gas mileage.

A moped rental insurance policy can have the same coverages as that of a scooter rental business. Talk with our underwriting experts to see what policy best fits you and your business.

Electric Bike Rental Insurance

We also 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!



XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide Tru Umbrella coverage.

Why Should You Choose XINSURANCE for Scooter Rental Insurance?

There many reasons why you choose XINSURANCE over other insurance carriers but here are some highlights:

  • We are your insurance partner. XINSURANCE will stick with you when others will not. We will stand by your side when lawsuits and claims occur.
  • We provide true coverage. We offer customized insurance solutions and can fill the gaps and exclusions if you have an existing policy. Don’t leave yourself exposed, let XINSURANCE protect you.
  • We have decades of experience. We have helped thousands of people like you for decades, providing protection 24/7 in all 50 states.
  • Extraordinary claims results. We’ll work together to handle the case expeditiously and reach a thoroughly investigated and fair outcome.

Request Your Scooter Rental Insurance Quote

Get your free scooter rental insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!

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