Best Car Rental Insurance Providers in North America

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Best Car Rental Insurance Providers in North America

Every business, irrespective of the industry, requires insurance. However, when it comes to a car rental business, this can be split into two – General Business Insurance and Commercial Fleet Insurance.

In this article, we have listed 5 top commercial auto insurance providers in North America.

If you are looking to get an idea on what commercial auto insurance – also known as Fleet Insurance – is and why it matters, keep reading.

What is Commercial Auto Insurance?

Commercial Auto Insurance provides coverage for liabilities and physical damages to each car owned by a rental car business. Depending on the insurance company, the insurance company may cover a fleet of between 2 to 5 cars or more.


Depending on the insurance provider, the liability policy may cover the following:

  • Uninsured motorist coverage
  • Underinsured motorist coverage
  • Bodily injury
  • Property damage
  • Owner’s policy – this allows any of your employees to drive your rentals and provides coverage in case of bodily injury or property damage caused by a third party.

The liability policy may also cover damages or injuries caused by your rental to a third party.

Physical Damage

In the event of an accident causing damage to one of your rental cars, it will need to be repaired and put back on the road – this is where collision and comprehensive policies come in.

  • Collision – Offers coverage for repairs or replacement for damages caused due to an accident with a third-party vehicle or a stationary object.
  • Comprehensive – Covers damages to the insured rental in the event of a fire, theft, vandalism, etc.

Top 7 Commercial Auto Insurance providers in North America

  1. Lula

If you are looking for a more new and innovative insurance provider, Lula is the best. Based in Miami, Florida with other branches across the U.S., they offer insurance coverage in a matter of minutes and eliminate any middlemen and premiums, thus reducing costs by 50%.

Lula is ideal for small businesses that need quick coverage.

For information, visit:

  1. ARRC (Auto Rental Resource Center)

ARRC has over 25 years of experience serving the auto rental industry, they focus on assisting first-time business owners have a headstart and current business owners to improve their existing services. ARRC is a worldwide, independent auto rental network. If you are looking to start your own rental company this would be the best place to go to, they provide all resources needed to start and manage a business including fleet insurance.

ARRC membership gives you access to:

    • Liability coverage
    • Physical damage coverage
    • RV commercial coverage
    • Counter product insurance coverage
    • Garage liability
    • Worker’s compensation and Employer’s liability

For more information, visit:

  1. Travelers

Travelers provide insurance for personal, business, and specialty insurance within North America and Europe.

The Travelers Commercial Automobile Policy offers coverage for:

    • Liability
    • Physical Damage
    • Underinsured and uninsured motorists

This policy is applicable for both small and large commercially owned fleets.

For more information, visit their site:

  1. Liberty Mutual

Liberty Mutual is the fifth largest casualty and property insurer worldwide. The insurance company provides a commercial auto insurance policy that ensures the safety of both the fleet and employees operating the vehicles. They offer a set of risk control tools and have a well-trained claims team to help you get your damaged vehicle up and running in no time.

Decision Driving® – Driver safety training for vehicle operators to lower the risk of accidents caused due to careless driving.

Managing Vital Driving Performance (MVDP) – This tool uses the vehicle operator telematics data to monitor driving behavior.

Liberty Mutual Expedite™ – this app allows drivers to snap photos of damages and gets claims estimated on the spot.

Guaranteed Repair Network (GRN) – This is a partnership between Liberty Mutual and selected collision repairs facilities.

For more information, visit their site:

  1. Nationwide Corp

Nationwide is based out of Omaha and claims to be #1 in customer satisfaction with small commercial insurance. They offer coverage in commercial auto insurance, workers’ compensation, commercial agribusiness insurance, and more.

Apart from the usual policies offered such as liability insurance and collision insurance, Nationwide also offers add-ons i.e. roadside assistance, new vehicle replacement cost coverage, and more.

For more information, visit their site:

  1. Berkshire Hathaway

Berkshire Hathaway is a multinational conglomerate based in Omaha. The company owns 60 subsidiaries, of which Berkshire Hathaway GUARD and Gateway Underwriters Agency offer commercial auto insurance.

For more information, visit their site: › products › commercial-auto

For more information, visit their site:

  1. Old Republic

The Old Republic General Insurance Group is the Old Republic Corporation’s largest business segment with 15 specialty companies. Out of these 15 companies, the following offer commercial auto coverage: BITCO Insurance Companies, Great West Casualty Company, Old Republic Contractors Insurance Group, Old Republic Risk Management, Old Republic Specialty Insurance Underwriters, and PMA Companies.

For more information, visit their site:


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