Product Highlights
Zurich is a leading provider of insurance solutions for rental operators, with a
wide range of limits and coverage options to meet the needs of any size fleet.
Available coverages include:
Auto Liability insurance provides protection for:
- Uninsured Motorists – coverage applies for losses due to a negligent third party that has no insurance
- Underinsured Motorists – coverage applies for losses due to a negligent third party that does not have enough insurance
- Personal Injury Protection (no fault) – coverage for economic losses for injuries caused by automotive accidents regardless of who was at fault
- Owner Limits – provides protection for bodily injury and property damage liability resulting from the ownership,
maintenance or use of covered automobiles. Coverage is not provided for personal use of vehicles by employees unless specifically endorsed.
Physical Damage Insurance provides protection for:
- Specified Perils covers specific exposures to losses listed in the policy for which, if determined to be the proximate cause of the loss, the company agrees to indemnify the insured. Perils include fire, lightning, explosion, theft (excluding conversion). windstorm, hail, earthquake, flood, mischief or vandalism, sinking, burning, collision or derailment of any conveyance transporting the covered auto.
- Comprehensive covers losses to covered autos or their equipment from any cause of loss except collision with another object or its’ overturn, conversion/trick & devise, or anything specifically excluded such as rust, vermin, depreciation.
- Collision covers damage to insured vehicles due to the colliding of an automobile, stationary or moving, with any object, stationary or moving. Also includes overturning (upset) of insured auto.
- Catastrophic comprehensive coverage is designed for large fleets who do not want to incur the expense of insuring each vechicle but desire protection from catastrophic occurrences such as hail, wind, tornado, etc… Coverage applies to all forms of physical loss except collision, overturn, and conversion. All loss or loss occurrences covered by this endorsement must involve two or more insured autos.
Note: Coverage is not provided for Conversion, False Pretense or Trick & Devise.
Counter Products
For business with fleets of 100 + units, Zurich offers supplemental insurance products available for resale to their customers. These products can be a valuable source of income to your business.
- Supplemental Liability Insurance (SLI) provides additional protection for renters and any listed authorized drivers against claims made by third parties for bodily injury, death and/or property damage caused by the use or operation of the rental vehicle.
- Personal Property Coverage (PPC) provides protection for the renter’s personal property 24 hours per day in or out of the rental vehicle (other than personal residence) during the rental period.
- Personal Accident Coverage (PAC) provides an accident medial expense benefit and accidental death benefit for renters and passengers, for bodily injury, which result from an accident during the rental period.