Liberty’s Equipment & Party Rental Practice Group provides general liability, inland marine equipment coverage, commercial property, commercial auto, workers’ compensation, and umbrella and excess liability insurance for rental operators. It serves party and event rental companies, construction and heavy equipment rental yards, tool and lawn equipment rental stores, and tent, staging, and AV rental businesses. Coverage is built around rental inventory, delivery and setup operations, and exposure at the customer’s site. Liberty does not currently insure inflatable equipment.
Your inventory leaves the yard every day, gets set up by your crew or your customer, and comes back used. Each step carries its own exposure: a guest hurt under a tent, a lift damaged on a jobsite, a delivery truck in a collision, a venue that won’t release the site until it sees additional insured wording.
Generic small business packages treat a rental company like a retail shop, and the gaps show up around equipment in the customer’s care, contract requirements, and fleet use. Liberty starts with how your inventory is rented, delivered, set up, and returned, then builds your coverage and carrier strategy around that.
Talk to someone who gets it. Get access to industry experts, resources, and more.
Get coverage tailored to the unique risks impacting your business.
Dedicated claims advocacy with experience mod tracking and projections.
Liberty works with rental businesses of every size, from owner-operated party rental shops to multi-location equipment yards. Whether your inventory is wedding linens or aerial lifts, we match the coverage to the equipment you rent and the places it ends up. Liberty does not currently insure inflatable equipment, but we are glad to discuss coverage for the rest of your inventory.
Rental coverage is rarely one policy. We separate what protects your customers and your balance sheet from what protects your inventory, your trucks, and your crew, then set limits and deductibles for each against how you actually rent. That includes the contract side. If venues, municipalities, or general contractors require additional insured status or specific limits, we plan for it at placement so certificates are ready before the event or jobsite date.
Defends your business against injury and property damage claims tied to your rentals.
Protects your building, rental inventory, and equipment wherever it is
Covers the delivery vehicles and crews that move and set up your inventory.
Liberty does not currently insure inflatable equipment such as bounce houses. Liberty can discuss coverage for the rest of your rental inventory.
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.
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.
No. General liability pays for injury and property damage claims from third parties, but it generally excludes damage to rental equipment in your care, custody, or control. Protecting your own inventory takes inland marine or property coverage.
Usually in two parts. General liability responds to injuries and property damage if a tent fails, while damage to the tent itself falls under inland marine or property coverage, and only when wind is a covered cause of loss.
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.
An additional insured endorsement extends your general liability coverage to another party, such as a venue, municipality, or event organizer, for claims tied to your rented equipment. Many venues require it before they allow setup.
Liberty brings decades of experience insuring rental businesses, and we pair it with services most brokers don’t offer: HR support, employee benefits programs, safety training, and educational programs for your team. When a claim comes in, you get claims support from people who already know your operation.
Founded in 1987, The Liberty Company Insurance Brokers has grown from a Californiabased agency into one of the nation’s premier insurance brokerages, with $2 billion+ in managed premiums across 80+ offices nationwide.
We understand how rental agreements, delivery, and customer-site use change your exposure.
We market your program to partner carriers that write rental risks, so you compare real options
Safety training and support for loading, tie-down, and tent installation practices before a loss happens.
We review your inventory values, rental volume, and loss history before going to market so quotes reflect your real exposure.
