Most standard carriers are not built for exotic rental fleets. We work with specialty markets that may consider professionally operated, direct-to-customer rentals under 30 days. We build the submission and give you a straight answer.
Coverage for the cars
When a renter brings back a wrecked car, or doesn't bring it back at all, this is the policy designed to respond. Renters' personal insurance and credit cards often exclude exotics.
Coverage while renters drive
When a customer behind the wheel injures someone or damages property, the lawsuit may name the company that owns the car.
Coverage for the operation
The showroom, the office, the premises, the everyday exposures.
Exotic performance fleets
Luxury rental operators
Multi-vehicle programsExotic rental insurance is not a standard online quote. The details matter, and we know what underwriters want to see.
Tell us the vehicles, where they are garaged, average rental term, renter age standards, and who gets the keys.
We organize the vehicle schedule, renter-screening procedures, rental agreements, coverage requests, three years of carrier history, and five years of claims information.
If coverage is available, we explain the terms and tradeoffs. If the operation needs work, we tell you what needs to change.
A serious submission starts with how you select renters, document rentals, maintain the fleet, and track prior losses. These are important review points, not universal carrier requirements.
Minimum age, license checks, driving experience, additional-driver rules, and renter approval criteria.
Signed agreements, rental duration, daily rates, renter insurance checks, and rental-use rules.
VIN, vehicle values, garaging, tracking, maintenance records, and lender information.
Three years of carrier history, five years of losses, renewal details, and requested coverage limits.
The goal is a complete, credible submission. Better documentation gives underwriters a clearer picture of your rental operation. Every quote remains subject to underwriting and policy terms.
These are the questions operators usually ask first. Eligibility and coverage depend on the vehicles, rental terms, operating procedures, underwriting, and policy wording.
Have a different question? Ask usPossibly. Some specialty markets have minimum fleet sizes or premiums. Send us the vehicle list and operating model and we can tell you whether there is a realistic market.
Our current market discussions are focused on professionally operated, direct-to-customer exotic and luxury rentals lasting fewer than 30 days. Longer-term rental arrangements need separate review and may fall outside this market appetite.
Do not assume so. Theft, conversion, and voluntary-parting exclusions can work very differently. We examine the specific terms before describing what a quote covers.
Agreed value may be available for qualifying vehicles and programs. Whether it is offered depends on the carrier, valuation documents, and the policy terms.
Vehicle values, location, rental frequency, driver standards, security, claims history, and requested limits all matter. A generic rate per car will not tell the full story.
Start with fleet size, rental duration, daily rental rates, vehicle values, garaging, and renter standards. A formal submission may require VIN-level schedules, signed rental agreements, five-year loss runs, and the carrier application.
Tell us a little about your rental business. We'll reach out to discuss your insurance needs. No lengthy application required.
Just six details. We'll take it from there.
