ATV & UTV Rental Insurance: Quotes From $40/mo

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Many used ATVs for amusement purposes, and it’s common to see these machines in amusement parks, hotel resorts, and other related businesses. On the other hand, UTVs are for day-to-day work, particularly in farms and ranches

Insurance coverage is crucial to protect your business and ensure its long-term success. ATV rental insurance & UTV rental insurance provide essential safeguards against potential accidents, liabilities, and property damage. 

This article will delve into the specifics of these insurance types, explore the situations they cover, and discuss the various add-ons available. Additionally, we will highlight some of the top insurance companies specializing in ATV and UTV rental insurance. By understanding the cost factors and available coverage options, you can effectively make informed decisions to safeguard your ATV or UTV rental business.

General Liability Insurance for ATV and UTV Rentals

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0

If you own or operate an ATV or UTV rental business, it’s important to protect yourself and your assets with the right insurance coverage. General liability insurance is a crucial policy that can safeguard your business against unexpected accidents and incidents. 


Coverage Limits of General Liability Insurance for ATV and UTV Rentals

The coverage limits typically start at $1 million per occurrence and $2 million aggregate. 


Specific Situations/Accidents/Incidents Where This Insurance Can Help

  • Customer injury: If a customer sustains injuries while operating an ATV or UTV rented from your business, this ATV rental insurance can cover their medical expenses and protect you from potential lawsuits.

  • Property damage: In the event that a rented vehicle causes damage to third-party property, such as fences or buildings, general liability insurance can provide coverage for the repair or replacement costs.

Add-Ons to General Liability Insurance for ATV and UTV Rentals

  • Additional insured coverage: This add-on extends coverage to entities or individuals who are not the primary policyholder but have an insurable interest in your ATV or UTV rental business. It can be useful when partnering with other businesses or venues.

  • Damage waiver coverage: This add-on allows you to offer a damage waiver to customers, shifting the responsibility for damages or theft of the rented vehicles to the customer. It provides an additional layer of protection for your business.

Do I Need General Liability Insurance if I Require Customers to Sign a Liability Waiver?

While liability waivers are an essential risk management tool, they may need to provide more comprehensive protection. General liability insurance is still essential, as waivers may not always hold up in court, and certain situations may render them invalid. It ensures financial protection in case of unexpected accidents or incidents.


Professional Liability Insurance for ATV and UTV Rentals

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


When operating an ATV or UTV rental business, it’s essential to have professional liability insurance to protect yourself from potential lawsuits arising from errors, negligence, or inadequate services. This policy, also known as errors and omissions insurance, can cover legal defense costs, settlements, and judgments. 


Coverage Limits of Professional Liability Insurance for ATV and UTV Rentals

The coverage limits typically start at $1 million per claim and $2 million aggregate, but they can be customized based on your business requirements.


Specific Situations Where This Insurance Can Help

  • Negligent maintenance or inspection: If a rented ATV or UTV malfunctions or causes an accident due to negligent maintenance or inspection on the part of your business, professional liability insurance can cover claims for damages or injuries.

  • Inaccurate rental documentation: If your business provides inaccurate rental agreements, waivers, or contracts, resulting in disputes or legal issues with customers, professional liability insurance can help cover legal expenses and potential settlements.

Is Professional Liability Insurance Only Necessary for ATV and Utv Rental Businesses With Employees?

No, professional liability insurance is essential for all ATV and UTV rental businesses, regardless of the number of employees. It covers claims arising from professional errors or negligence, protecting your business from financial losses from lawsuits or legal disputes. Any company that rents ATVs or UTVs should have this type of ATV and UTV rental business insurance.

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Commercial Property Insurance for ATV and UTV Rentals

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Protecting your physical assets is crucial when you operate an ATV or UTV rental business. Commercial property insurance covers your rental premises, equipment, and other property.


Specific Situations Where This Insurance Can Help

  • Fire and smoke damage: Commercial property insurance can cover repairs or rebuilding costs if your rental premises, vehicles, or equipment are damaged by fire or smoke.

  • Theft or vandalism: In the unfortunate event of theft or vandalism, commercial property insurance can provide coverage for stolen or damaged rental vehicles, equipment, or other property, minimizing your financial loss.

  • Natural disasters: Coverage can extend to damages caused by natural disasters such as storms, hurricanes, or earthquakes, protecting your rental business assets from destruction or damage.

Coverage Limits of Commercial Property Insurance for ATV and UTV Rentals

The coverage limits for commercial property insurance depend on the value of your assets and can be tailored to meet your specific business needs.

Add-Ons to Commercial Property Insurance for ATV and UTV Rentals

  • Business interruption coverage: This add-on provides coverage for loss of income and additional expenses your ATV and UTV rental business may incur if it becomes temporarily inoperable due to a covered loss. It helps mitigate the financial impact of unexpected disruptions.

  • Equipment breakdown coverage: This add-on protects your business against the costs of repairing or replacing essential equipment, such as rental vehicles, if they break down due to mechanical or electrical failures.

Is Commercial Property Insurance Necessary if I Lease the Premises for My ATV and Utv Rental Business?

Yes, commercial property insurance is still necessary even if you lease the premises for your rental business. While the property owner may insure the building, you will need this ATV rental insurance to cover your business equipment, inventory, and any improvements or alterations you’ve made to the leased space.


Business Owner’s Policy for ATV and UTV Rentals

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded


A business owner’s policy (BOP) is a comprehensive insurance package that combines general liability insurance and commercial property insurance into a single policy, providing essential coverage for your business.


Coverage Limits of Business Owner’s Policy for ATV and UTV Rentals

Coverage limits for a BOP generally range from $1 million to $3 million, depending on your business’s size and needs.


Specific Situations Where This Insurance Can Help

  • Business property damage: If your rental premises, vehicles, or equipment suffer damage due to covered perils such as fire, theft, or vandalism, a BOP can help cover the repair or replacement costs.

  • Lawsuits and legal expenses: In the event of a lawsuit or legal dispute related to your ATV and UTV rental business, a BOP can provide coverage for legal fees, settlements, or judgments, protecting your business from financial strain.

Add-Ons to Business Owner’s Policy for ATV and UTV Rentals

  • Employment practices liability insurance (EPLI): EPLI provides coverage for claims related to employment practices, such as wrongful termination, discrimination, or harassment allegations brought by employees or former employees. It helps protect your business from the financial impact of such claims.

  • Business income extension: This add-on extends the coverage for business interruption, providing additional protection for loss of income and necessary expenses for an extended period, ensuring your business remains financially stable during an extended period of downtime.

Is a Business Owner’s Policy Sufficient Coverage for My ATV and Utv Rental Business, or Do I Need Additional Insurance Policies?

A BOP provides essential coverage for general liability and property damage, making it a good starting point for most ATV and UTV rental businesses. However, depending on your business’s specific risks and needs, additional policies such as professional liability insurance, commercial auto insurance, or workers’ compensation insurance may be necessary for comprehensive coverage.


Tools and Equipment Insurance for ATV and UTV Rentals

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


Tools and equipment insurance for ATV and UTV rentals is essential for protecting your business from potential risks and financial losses. It covers the tools, machinery, and equipment used in your ATV and UTV rental operations. 


Specific Situations Where This Insurance Can Help

  • Damage or loss of rental equipment: Tools and equipment insurance covers the repair or replacement costs if your rental equipment, such as trailers, ramps, or maintenance tools, is damaged, stolen, or lost due to covered perils.

  • Equipment malfunction or breakdown: If your rental equipment, such as winches, tow bars, or safety gear, malfunctions or breaks down during use, resulting in customer injuries or property damage, tools, and equipment insurance can provide coverage for resulting liability claims.

Coverage Limits of Tools and Equipment Insurance for ATV and UTV Rentals

The limits for tools and equipment insurance can vary based on the value of your equipment, ranging from $10,000 to $100,000 or more.


Add-Ons to  Tools and Equipment Insurance for ATV and UTV Rentals

  • Rental equipment replacement cost coverage: This add-on ensures that in the event of a covered loss, your tools and equipment are replaced with new items of similar kind and quality rather than being reimbursed based on their depreciated value.

I Rent Atvs and Utvs and Have Tools and Equipment for Maintenance and Repairs. Do I Need Separate Insurance for My Tools and Equipment?

Yes, having separate tools and equipment insurance is crucial to protect your maintenance and repair tools. While your general liability or commercial property insurance may provide some coverage, having a dedicated policy ensures comprehensive protection against theft, damage, or loss of your tools and equipment.


Workers Compensation Insurance for ATV and UTV Rentals

As an ATV and UTV rental business owner, the safety and well-being of your employees are of utmost importance. Workers compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if your employees are injured or become ill while performing their job duties.


Specific Situations Where This Insurance Can Help

  • Employee injuries: If one of your employees is injured while performing job-related tasks, such as vehicle maintenance, customer assistance, or equipment handling, workers compensation insurance can cover their medical expenses, including hospital visits, surgeries, medications, and rehabilitation.

  • Occupational illnesses: If an employee develops an occupational illness or suffers from long-term health issues due to exposure to chemicals, fumes, or other hazardous substances while working for your ATV and UTV rental business, workers compensation insurance can cover medical treatment, ongoing care, and lost wages.

Coverage Limits of  Workers Compensation Insurance for ATV and UTV Rentals

The coverage limits for workers compensation insurance are typically based on state requirements and may vary depending on the number of employees and the nature of your ATV and UTV rental business.


Add-Ons to Workers Compensation Insurance for ATV and UTV Rentals

  • Voluntary compensation coverage: If you have any volunteers or unpaid workers assisting with your ATV and UTV rental business, this add-on extends workers compensation coverage to them, ensuring they are protected in case of injuries or illnesses.

  • Return-to-work programs: This add-on focuses on assisting injured employees in their return to work by providing vocational rehabilitation, training, and support services. It aims to facilitate a smooth transition back into the workforce and minimize the impact of the injury on their earning potential.

What Should I Do if an Employee Gets Injured While Working for My ATV and Utv Rental Business?

If an employee gets injured, the first step is to ensure they receive immediate medical attention. Promptly report the incident to your ATV rental insurance provider and initiate the claims process. It’s crucial to document the details of the injury, gather any witness statements, and maintain records of medical expenses and treatments for the claim. Compliance with all reporting and documentation requirements will help ensure a smoother claims process.


A person riding an ATV.


Commercial Auto Insurance for ATV and UTV Rentals

Operating a fleet of ATVs and UTVs for your rental business comes with the need for comprehensive ATV rental insurance coverage. Commercial auto insurance specifically designed for ATV and UTV rentals protects your rental vehicles and covers liability for accidents or damages.


Specific Situations Where This Insurance Can Help

  • Vehicle theft or vandalism: Commercial auto insurance can protect your rental vehicles against theft, vandalism, and other forms of malicious damage. It can cover repair or replacement costs if vandals steal or damage your vehicles.

  • Damage to rental vehicles: If your rental vehicles suffer damage due to non-collision incidents such as fire, theft, falling objects, or severe weather, commercial auto insurance can cover the repair or replacement costs.

Coverage Limits of Commercial Auto Insurance for ATV and UTV Rentals

The limits depend on factors like your vehicle’s value and the type of coverage you choose. The limits range from $100,000 to $2 million.


Add-Ons to Commercial Auto Insurance for ATV and UTV Rentals

  • Rental vehicle liability coverage: This add-on extends liability coverage to vehicles rented from other businesses or individuals. It ensures that if an accident occurs while a customer uses a rented vehicle, your insurance for ATV rental business will provide coverage for bodily injury and property damage claims.

  • Non-owned auto coverage: Non-owned auto coverage protects your business in the event of an accident caused by an employee using their personal vehicle for work-related purposes. It covers liability claims arising from such incidents, providing additional protection.

What to Consider When Choosing Commercial Auto Insurance for ATV and Utv Rentals?

When choosing commercial auto insurance for your ATV and UTV rental business, several factors should be taken into account:

  • Risk assessment: Assess the risks associated with your business. This includes considering the terrain where the ATVs or UTVs Will be used, the age and experience level of your typical renter, and the value of your vehicle fleet.

  • Coverage limits: Consider the potential costs associated with accidents, property damage, or injuries, and choose a coverage limit that adequately protects your business.

  • Policy exclusions: Make sure to understand what is not covered under your policy. There might be certain situations or types of damage that are not covered.

  • Insurance provider: Choose an insurer with a solid reputation, offers good customer service, and understands the unique needs of an ATV or UTV rental business.

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ATV and UTV Rental Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $43 $516 $0-$500
Professional liability insurance $46 $552 $1,000-$2,000
Commercial property insurance $70 $840 $1,000-$2,000
Business owner’s policy $103 $1,236 $1,500
Tools and equipment insurance $48 $576 $500-$1,000
Commercial auto insurance $50 $600 $500-$1,000
Workers compensation insurance $90 $1,080 $2,500-$5,000


ATV and UTV rental insurance cost is $43 per month or $516 per year for a $1 million general liability coverage. Several factors can influence the cost of insurance for ATV rental business. These factors are important considerations for insurance providers when calculating premiums. Here are the key factors that can affect the cost of these insurance types:

  • Coverage types: The types of coverage you choose for your ATV or UTV rental business will impact the overall cost. Common coverage types include general liability insurance, commercial property insurance, workers’ compensation insurance, commercial auto insurance, and professional liability insurance. The more comprehensive the coverage, the higher the ATV rental insurance premium is likely to be.

  • Coverage limits: The coverage limits you select for each type of insurance will also affect the cost. Higher coverage limits provide increased protection but may result in higher premiums. Assess your business’s needs and risks to determine appropriate coverage limits that strike a balance between protection and affordability.

  • Business size: The size of your ATV or UTV rental business can influence ATV rental insurance costs. Factors such as the number of ATVs or UTVs in your fleet, the size of your operation, and the number of employees can impact premiums. Larger businesses with more vehicles and higher exposure to risks may face higher insurance costs.

  • Location: The location of your ATV or UTV rental business plays a significant role in determining insurance premiums. Insurance companies consider factors such as the local weather conditions, crime rates, and the frequency of accidents in the area. If your business operates in an area with a higher risk of theft, vandalism, or accidents, it may result in higher insurance costs.

  • Claims history: Your claims history and loss experience can influence the ATV rental business insurance cost. Insurance companies consider your past claims and accidents when calculating premiums. If you have a history of frequent claims or high-value claims, it may lead to higher insurance costs. Conversely, maintaining a clean claims record can help lower premiums.

  • Risk assessment: Insurance providers assess the level of risk associated with your ATV or UTV rental business. They consider your safety protocols, maintenance practices, employee training, and security measures. A comprehensive risk management strategy can help mitigate risks and potentially reduce insurance costs.

Cost per Month Cost per Year Best for
NEXT $25 $300 Best overall; Fastest general liability insurance for UTV and ATV rentals
CoverWallet $27 $324 Comparing UTV and ATV rental insurance quotes online
The Hartford $31 $372 Workers comp for UTV and ATV rentals
Tivly $34 $408 Comparing UTV and ATV rental insurance quotes over the phone
Thimble $36 $432 UTV and ATV businesses with seasonal or occasional rentals
Hiscox $39 $468 Experienced service providers and technical businesses

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Best ATV & UTV Rental Insurance Companies

When it comes to insuring your ATV and UTV rental business, it’s important to choose a reputable insurance company that specializes in providing coverage for your industry. Here are some of the top insurance companies known for offering insurance solutions tailored to ATV and UTV rental businesses. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy. 


NEXT ATV & UTV Rental Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

Founded in 2016, NEXT is a leading digital insurance provider catering to the needs of small businesses, including contractors and tradespeople. Headquartered in Palo Alto, California, NEXT Insurance has quickly established itself as a prominent player in the insurance industry with its innovative approach and commitment to simplifying the insurance buying process.

Best for: Best overall; Fastest general liability insurance for UTV and ATV rentals 

Average cost: $25 per month

Our rating: 10/10

CoverWallet ATV & UTV Rental Insurance

Pros

  • Comparing quotes from numerous carriers

  • Simplified application process

  • Wide range of coverage options

  • Time-saving and convenient

Cons

  • Some users may prefer direct dealings with an agent.

Founded with the goal of simplifying insurance for small businesses, CoverWallet is an online insurance broker that offers a seamless and hassle-free experience. With CoverWallet, you can easily compare quotes, customize policies, and manage your coverage, all through their user-friendly online interface. Their commitment to delivering efficient insurance solutions makes them a reliable choice for businesses seeking convenient and comprehensive coverage.

Best for: Comparing UTV and ATV rental insurance quotes online 

Average cost: $27 per month

Our rating: 10/10


The Hartford ATV & UTV Rental Insurance

Pros

  • Long-standing standing and economic strength

  • Comprehensive coverage options

  • Reliable claims assistance

  • Extra business resources and implements

Cons

  • Premiums may be more elevated compared to other providers

Founded in 1810, The Hartford is a highly reputable insurance company that has been serving customers for over two centuries. With such a long and established history, Hartford has earned a strong position in the insurance industry and has become a trusted provider of specialized coverage for various businesses, including ATV and UTV rental operations.

Best for: Workers comp for UTV and ATV rentals 

Average cost: $31 per month

Our rating: 10/10


Tivly

Pros

  • Specialized coverage for outdoor and recreational businesses

  • Comprehensive protection for property damage and liability claims

  • Industry-specific expertise

  • Personalized customer support

Cons

  • Limited availability in certain regions

Tivly specializes in insurance coverage for outdoor and recreational businesses, making them an ideal choice for ATV and UTV rental companies. They deeply understand the unique risks associated with these industries and offer tailored coverage options to address those needs. Tivly’s policies protect against property damage, liability claims, and other potential incidents during ATV and UTV rentals. With their expertise and commitment to serving outdoor businesses, Tivly provides reliable coverage and support. Call now to compare quotes over the phone. 

Best for: Comparing UTV and ATV rental insurance quotes over the phone 

Average cost: $34 per month

Our rating: 9/10


Thimble ATV & UTV Rental Insurance

Pros

  • On-demand coverage for flexible rental durations

  • Comprehensive protection for property damage and liability claims

  • User-friendly app for policy customization and management

  • Affordable pricing options

Cons

  • Coverage alternatives may be limited for specific industries.

Thimble offers on-demand insurance coverage, providing flexibility for businesses with seasonal or occasional rentals, such as ATV and UTV rental operations. With Thimble, you can obtain coverage for specific durations, whether it’s an hour, day, or month, making it ideal for businesses with varying rental needs. 

Best for: UTV and ATV businesses with seasonal or occasional rentals

Average cost: $36 per month

Our rating: 9/10


Hiscox ATV & UTV Rental Insurance

Pros

  • Customized coverage options for small businesses

  • High coverage limits available

  • Comprehensive protection against property damage and liability claims

  • Excellent customer service

Cons

  • Premiums may be higher for certain professions or high-risk industries

Hiscox is a reputable insurance company that offers customized coverage solutions for small businesses. They provide comprehensive policies to protect against property damage, liability claims, and other specific risks ATV and UTV rental businesses face. With their strong financial standing and commitment to customer service, Hiscox is a reliable choice for businesses seeking reliable and customized insurance solutions.

Best for: Experienced service providers and technical businesses

Average cost: $39 per month

Our rating: 9/10

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