Tools & Equipment
Review protection for owned tools and machinery in storage, in transit, and at jobsites.
Protection for equipment you do not own
Rented and Leased Equipment Coverage
The equipment may belong to someone else, but the responsibility can fall on your business. Explore coverage for qualifying damage or loss to equipment you rent or lease for landscaping work.
The Right Equipment for the Job.
Protection for Your Responsibility.
Renting or leasing equipment helps your landscaping business take on different projects without purchasing every machine. But theft or accidental damage can leave you facing repair costs and obligations under the rental agreement. Review protection before the equipment arrives at your jobsite.
Understand your equipment exposure
What Is Rented and Leased Equipment Coverage?
Rented and leased equipment coverage helps protect eligible equipment owned by others while it is insured under your policy. It is often arranged through contractors equipment or inland marine insurance, depending on the insurer and the equipment.
Coverage may apply to short-term rentals, longer-term leases, or both. Some policies provide a blanket limit for qualifying rentals, while others require equipment to be specifically listed or reported.
A rental agreement can make your business responsible for more than the equipment’s repair bill. Share the agreement with your insurance professional so its obligations can be compared with the coverage available.
Explore Equipment Coverage
Review the protection available
What Rented Equipment Coverage Can Help Address
Depending on your policy and the equipment insured, protection may include:
- Accidental physical damage: Qualifying damage to insured equipment during covered operations, subject to exclusions and deductibles.
- Theft: Covered theft of eligible rented or leased equipment, subject to applicable security conditions and policy terms.
- Fire and vandalism: Damage caused by covered events affecting equipment at an insured jobsite or location.
- Transit exposures: Qualifying loss or damage while equipment is being transported, where transit coverage is included.
- Accepted attachments and accessories: Protection for eligible buckets, augers, and other attachments when included within the insured property and applicable limits.
Wear and tear, mechanical breakdown, overloading, dishonest acts, and certain operating conditions may be excluded. Continuing rental charges and loss-of-use demands are not automatically covered.
Discuss Your Equipment Needs
Match coverage to your rental arrangements
Built Around the Equipment Your Projects Require
From compact loaders and mini excavators to trenchers, aerators, and specialty mowers, each machine brings different values and operating risks. Explain what you rent, how often you rent it, and the maximum value you may have in your possession at one time.
Include delivery, loading, unloading, transport, overnight storage, and work near water or on difficult terrain. Ask when coverage begins and ends, especially if your responsibility starts before pickup or continues until the rental company accepts the return.
For a quote, prepare rental or lease agreements, equipment values, identification details, rental expenses, project locations, and claims history. Confirm any required loss payee wording and compare your insurance with any damage waiver offered by the rental company.
Request Your QuoteExplore Other Landscaping Insurance
Coordinate rented equipment protection with coverage for your owned machinery, vehicles, trailers, employees, and everyday liability exposures.
Commercial Auto
Explore coverage for business vehicles used to visit jobsites and transport equipment.
Landscaping Trailer Insurance
Review physical damage and liability arrangements for trailers used to haul your landscaping equipment.
General Liability
Help protect against covered third-party bodily injury and property damage claims arising from your operations.
Workers’ Compensation
Support eligible employees after covered work-related injuries or illnesses.
Commercial Property
Consider protection for insured premises, storage facilities, and business contents.
Rented and Leased Equipment Coverage FAQs
Does my existing equipment policy cover rentals?
It may include a rented equipment extension, but limits, reporting requirements, and equipment restrictions can apply. Do not assume coverage for owned equipment automatically includes rented or leased machinery. Have the relevant policy provisions reviewed before pickup.
Will general liability pay for damage to rented equipment?
General liability commonly restricts damage to property rented to you or in your care, custody, or control. Separate equipment coverage may be needed to address physical damage to the machine itself.
Is a rental damage waiver the same as insurance?
Not necessarily. A damage waiver is generally a contractual arrangement that limits certain responsibilities under the rental agreement. Its exclusions, fees, and conditions may differ from insurance. Compare both documents before deciding what protection to arrange.
Are long-term equipment leases covered?
Longer-term leases may need to be scheduled separately or insured differently from short-term rentals. Provide the lease term, equipment value, ownership details, and insurance requirements so the coverage can be arranged appropriately.
Can coverage apply during delivery and transport?
Transit coverage depends on the policy and when your responsibility for the equipment begins. Review loading, unloading, delivery by the rental company, and transport by your own vehicles or third-party haulers.
Are attachments and accessories included?
Attachments may need to be identified and included in your declared values or rental limits. List buckets, augers, specialized heads, and other rented accessories rather than assuming they are part of the base machine’s coverage.
Does it cover mechanical breakdown or normal wear?
Standard equipment physical damage coverage generally excludes wear and tear, deterioration, and mechanical breakdown. Operator error and resulting damage also depend on the policy wording and applicable exclusions. Ask about these situations specifically.
Will insurance pay continuing rental charges after a loss?
Continuing rental charges, the owner’s loss-of-use demands, and the cost of hiring replacement equipment are separate expenses. They are not automatically included in physical damage coverage and may require specific extensions or sublimits.
Can I provide proof of coverage to the rental company?
Ask your provider about a certificate or other evidence of coverage. If the rental company requests loss payee status, particular limits, or specific wording, have those requirements reviewed. A certificate alone does not change your insurance policy.
What affects the cost of rented equipment coverage?
Pricing depends on the equipment type, values, rental activity, work performed, locations, security arrangements, and claims history. Limits, deductibles, valuation provisions, and optional extensions also affect your quote.
Rent the Equipment You Need.
Prepare for the Responsibility.
Explore coverage that reflects your rental agreements, leased machinery, and the landscaping projects ahead.
Get a Rented Equipment Quote
Coverage is subject to policy terms, limits, deductibles,
exclusions, valuation provisions, eligibility, and
availability. Examples do not guarantee coverage
for a particular claim.