Myth
The rental company's insurance covers me.
Truth
The rental company's CDW (collision damage waiver) covers you for collision often — but excludes theft, vandalism, and inland-marine perils. TR fills the gaps.
TR Trucker's Equipment (Rented)
Physical damage to tractors, trailers, and specialty equipment you rent or borrow — distinct from your owned (APD) and interchanged (TI) equipment.
The exposure this line addresses.
Physical damage to equipment you rent, lease short-term, or borrow — typically rental tractors during repair of your own units, rental trailers for surge capacity, or specialty equipment (forklifts, lift gates, ramps) you've rented for a job. Sits in inland-marine territory rather than the standard auto-physical-damage form.
Triggers — when this line is required.
- Renting a substitute tractor while your own is in repair
- Renting trailers for seasonal capacity
- Renting specialty equipment (lift gates, ramps, refrigeration units)
What this line does NOT cover
- Equipment you own — that's APD
- Equipment under interchange agreement — that's TI
- Damage caused by rental-company employees
Limits we recommend by segment.
These are public-facing baselines for typical risk profiles. The intake re-derives line-specific limits based on your actual operation, contract obligations, and loss profile.
Owner-operator
Scheduled value; $1K deductible
Small fleet (2-10)
Scheduled value; $1K-$2.5K deductible
Mid-fleet (11-50)
Scheduled value with monthly reporting form for high-turnover rentals
Large account (51+)
Reporting form with annual reconciliation
Day-one carriers writing TR.
From the panel that ranks top-3 per line for your risk profile. Each carrier clears the A.M. Best A- floor; final selection is made in the piece-out matrix at quote time.
Tivly MGA
MGA · Overflow
Markel
Specialty
What rookie operators get wrong.
Myth
TR is part of my APD.
Truth
It's a separate line. APD is scheduled-units coverage; TR is rented-equipment coverage. The endorsements and rates differ.
Myth
I don't need TR for short rentals.
Truth
Short-rental exposure is real — a single weekend rental during equipment repair can incur catastrophic damage. TR is typically inexpensive relative to the exposure.
Frequently asked
Does my APD policy automatically cover rental tractors?
Usually no — APD covers scheduled units. Rental tractors need to be added to the schedule (some carriers allow automatic-coverage endorsements for substitute units during repair, but with sub-limits).
Is TR required by rental companies?
Often yes — rental companies require either their CDW or evidence of TR coverage at pickup.
What's the typical TR limit?
Scheduled value of the specific rented equipment, with a monthly aggregate for fleets that rent regularly.
Can I add TR mid-term?
Yes — TR endorsements are typically issued with same-day binding and short-rate pro-rata premium.
Does TR cover specialty equipment like forklifts?
Yes when scheduled — TR sits in inland-marine territory and can schedule almost any physical equipment.
Ready for a TR quote?
One intake. Per-line submissions to your top 3 carriers. A coordinated binder.