Rental Equipment Coverage

Rental Equipment Coverage for Your Buggy Fleet

Your sand buggies, sand rails, and UTVs are the revenue-generating core of your business — and they take a beating on the dunes. Rental equipment coverage (a physical damage / inland marine form) protects the fleet itself against the damage and loss that general liability specifically excludes.

What's Covered

• Rollover and crash damage on the dunes — the most common fleet loss
• Mechanical and collision damage to the vehicles
• Theft and vandalism from staging areas, trailers, and storage yards
• Renter-caused damage beyond normal wear (per policy terms)
• In-transit damage while hauling the fleet to and from the dunes
• Replacement-cost or agreed-value settlement options

Why It's Separate From Liability

General and participant coverages pay for *injuries and third-party claims*. They do not pay to repair or replace your own buggies. A single rollover that destroys a $25,000 sand rail — or a theft of multiple units from your staging area — is a direct hit to your fleet that only physical damage coverage will absorb.

Setting Your Fleet Limit

Your limit should reflect the total value of your fleet and the maximum exposed at one time (including units in transit and at the staging area). We help you schedule the fleet — by unit or on a blanket basis — and set agreed values so there's no depreciation surprise after a loss.

Documentation Lowers Your Cost

Carriers reward operators who document pre- and post-rental inspections, maintenance logs, and unit serial numbers. Good records speed claims and improve your pricing.