Generally yes. Workers’ compensation is required in most states once you have employees, and delivery drivers and setup crews face some of the highest injury exposure in a rental business.
Party rental insurance premiums are driven mainly by inventory value, annual rental revenue, delivery operations, and claims history. Liberty prices each program from your operation rather than a flat rate.
Yes, in most cases. Personal auto policies often limit or exclude vehicles used for business, so trucks and trailers that deliver rental inventory generally need commercial auto coverage.