Frequently Asked
Questions

Rental insurance is commercial insurance for businesses that rent equipment to customers. It covers your business against liability when a renter causes damage or injury, physical damage to your fleet, and business interruption.

Renters insurance is personal insurance for someone renting a home. It covers personal belongings — it has nothing to do with commercial rental operations and will not protect your business.

This distinction matters for SEO and search: your customers and Google may confuse the two. vQuip uses "rental insurance" throughout because that's what your business actually needs.

vQuip insures rental businesses across three market segments:

• Land: ATV rentals, UTV rentals, powersports dealers, guided tour operators, adventure outfitters
• Water: Boat rentals, jet ski / PWC rentals, kayak & paddleboard rentals, marinas, charter operations
• Snow: Snowmobile rentals, winter guides, ski/snowboard rental shops, winter tour operators

If you rent equipment to customers and are unsure if you qualify, reach out for a free consultation.

Coverage varies by program, but typically includes:

• Commercial General Liability (CGL) — covers bodily injury and property damage to third parties
• Business Auto — covers vehicles used in your operations (Land & Snow)
• Blanket Accident — covers medical costs for renter injuries
• Property Physical Damage — covers damage to your equipment fleet
• Hull Coverage — for marine programs, covers watercraft damage

Your exact coverages are determined during your Free Insurance Consultation based on your specific operation.

Loss control is a set of practices and tools designed to reduce the frequency and severity of claims before they happen — safety checklists, driver training, equipment inspection protocols, and technology integrations.

vQuip includes loss control consulting and platform access at no additional cost with every policy. The reason: fewer claims mean better loss ratios, which means we can offer more competitive renewals over time. It's good for you and good for us.

Yes — and it's one of the core reasons vQuip exists. Businesses that actively engage with loss control tools show measurably lower loss ratios over time. At renewal, your pricing is tied to your actual performance data — not industry averages. Safer operations earn better rates.

Our standard timeline from first contact to active coverage is about 2 weeks:

• Day 1: Free Insurance Consultation — a real specialist reaches out within 24 hours
• Within 1 week: Detailed quote with coverage options delivered
• Within 2 weeks: Coverage bound, policy documents delivered, integrations set up

Complex accounts may take slightly longer. Simple renewals are typically faster.

vQuip integrates with leading rental booking platforms including Peek, FareHarbor, RecreGo, and Stellar IMS. Once integrated:

Your booking data syncs automatically with your policy — no manual reporting of revenue estimates or rental counts.

The integration also powers episodic insurance, where coverage activates and deactivates per rental transaction rather than as a blanket annual policy. This is how vQuip delivers more accurate pricing tied to your actual usage.

Claims can be filed online at claims.vquip.com — available 24/7.

You can submit as:

• Business owner — for incidents involving your operation
• Customer / renter — if you rented equipment and were involved in an incident
• Third party — if you were injured or had property damaged by a rental operation

You'll receive a confirmation email with a unique claim ID. Use that ID to check on your claim status at any time.

1. Ensure everyone's safety and call emergency services if needed
2. Document the scene with photos and written notes
3. Collect contact information from all parties involved
4. Do not admit fault or make any payments
5. File your claim at claims.vquip.com as soon as possible

The sooner you report, the smoother the claims process goes.