Rental Reimbursement That Keeps Freight Moving
Replacement tractor or trailer costs covered while your unit is in the shop after a covered loss.
Rental Reimbursement insurance for trucking fleets in 50 states
Reimburses rental costs for a replacement tractor or trailer while yours is in the shop after a covered loss.
Prestige Trucking Insurance places rental reimbursement coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
A truck in the shop still owes payments
Repair cycles on a late model tractor can run weeks once parts availability and body shop backlog are factored in. During that time your note, your insurance and your driver's expectations do not pause.
Rental reimbursement pays the cost of a substitute unit up to a daily limit and a maximum term, so the lane stays covered and your driver stays employed instead of taking a job somewhere else.
Check whether rentals are even available
Rental reimbursement only helps if a comparable unit can be rented in your market. For specialty equipment, downtime coverage that pays a daily benefit is often the more practical protection. We compare both.
855-643-3881How the coverage is structured
Daily limit
A stated amount per day, chosen to match real tractor and trailer rental rates in your market.
Maximum term
A cap on total days, commonly 30 days, which we set against typical repair cycles.
Waiting period
Some forms start after a set number of days out of service, so read the trigger.
Covered loss required
The rental follows a covered physical damage claim, not routine mechanical failure.
Rental reimbursement versus downtime coverage
| Scenario | Rental reimbursement | Downtime coverage |
|---|---|---|
| What it pays | Actual rental cost of a substitute unit | A flat daily benefit whether or not you rent |
| Proof required | Rental invoices | Days out of service |
| Best fit | Fleets that can source a rental quickly | Owner-operators with specialized equipment |
Questions motor carriers ask
Does rental reimbursement apply to mechanical breakdown?
Generally no. The coverage follows a covered physical damage loss such as collision, fire or theft, not routine maintenance or wear.
How much daily limit should a fleet carry?
Enough to cover the local rental rate for a comparable tractor or trailer. Underinsuring the daily limit leaves you paying the difference out of pocket for weeks.
Who needs rental reimbursement?
Fleets with committed lanes and drivers who cannot afford idle weeks after a crash. Call 855-643-3881 and we will price the endorsement with your physical damage policy.
Price the Endorsement
We will quote rental reimbursement and downtime side by side so you can see which one fits your equipment.
Fleets of three or more power units across the 50 states we are licensed in.
Rental Reimbursement coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending rental reimbursement limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs rental reimbursement coverage?
Rental Reimbursement coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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