Generator Rental Insurance

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Generator Rental Insurance

What is generator rental insurance? 

Many businesses rent generators to meet temporary needs, such as after a major disaster, during an event, or throughout a construction project. Whenever a generator is rented, the business renting it usually remains liable for any damage or loss of the equipment throughout the duration of the rental. Generator rental insurance may help mitigate such costs if something happened to a rented generator.

Generator rental insurance mainly protects rented generators against various causes of damage or loss. Policies are specifically for rented, rather than owned, generators.

Who should consider generator rental coverage? 

Any business or individual renting a generator should consider generator rental coverage. Without coverage, replacing a lost or damaged generator could be quite expensive.

Since generators are rented for many different purposes, policies are purchased by a variety of businesses and individuals. Contractors and event planners might regularly rent generators, and almost any business could need one during a prolonged power outage. Homesteaders and campers sometimes rent generators, as do people in other situations as well.

In all of these situations where a generator is rented, getting rental coverage for the equipment is likely prudent.

Generator Rental Insurance

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Generator Rental Insurance

How long does a generator rental policy last? 

The length of a generator rental policy’s coverage is flexible, and can easily be tailored to the duration of rental. Many policies are purchased for just a few days or weeks, but up to a year of coverage is usually available for prolonged generator rentals.

What type of equipment does generator rental coverage protect? 

Generator rental coverage is available for most types of generators. An insurance agent who knows these policies well should be able to find coverage for:

  • Portable generators
  • Standby generators
  • Inverter generators
  • Industrial generators

Policies may also cover any accessories that are rented with the generator, such as cords, connections, plugs, covers, monitors and fuel extenders.

Generator Rental Insurance

What risks does a generator rental policy protect against? 

Generator rental policies typically protect covered equipment against several potential risks that could result in loss or damage. Covered risks often include perils such as:

  • Damage during transit
  • Weather-related damage
  • Fire or smoke damage
  • Water damage
  • Theft

An insurance agent who specializes in generator rental coverage can look at the particulars of a policy's terms, checking more precisely what a given policy would cover.

Does generator rental coverage apply to accidental damage? 

While many generator rental policies provide coverage for accidental damage, it's not a universal feature of all policies. If accidental coverage is particularly important, a knowledgeable agent can assist with checking what policies include this protection.

How much does a generator rental policy cost? 

The cost of a generator rental policy can depend on several factors, including the value of the rented generator, the rental duration, and the specific risks covered. The situation where it’s to be used, and other factors, also might impact premiums.

In general, however, these policies tend to be quite affordable. Businesses can limit the coverage to only what they need, and thus not pay for unnecessary protections.

To find out how much insuring a rental will cost, businesses can get a customized quote for a policy. 

Where can individuals or businesses get generator rental insurance? 

If you're in the process of renting a generator and need insurance, consider the specialized policies available at Insure My Equipment. Use our website to customize your coverage and purchase a policy online, or contact our independent insurance agents for any questions about generator rental insurance. Either way, we’ll make sure you’re well covered for the entire duration of the generator rental.

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“Best insurance company for all my gear! The customer service is amazing and they help me with all my last minute needs.”

Carlos Jaramillo, Los Angeles Photographer

“Insurance is the last thing I want to worry about. IME has made it so that I really do not have to worry at all! The customer support is quick and we were guided through what usually is a very confusing process. Highly recommend!”

Sue, New York Producer

“IME is user-friendly, providing an efficient process to get things done. Whenever I’ve had questions on policy, or just needed coverage advice, their rep not only responded to my questions quickly and accurately but took the time to offer extra helpful advice and direction on some more involved issues.”

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