ARA Insurance

ARA Insurance is the leading insurer of American Rental Association members. Because rental is our only business, we have a stake in your success. For more than 40 years, we’ve worked with our customers to develop rental-specific coverages and improve industry safety by investing in risk management initiatives.

Where to start

Request a Quote

Discover the ARA Insurance difference and request your free quote today.

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Log into ReSource

Make credit card or ACH payments, view policy information and find risk management resources by using ReSource, our customer service site.

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File a Claim

We provide the best claims service in the equipment and event rental industry. File a claim by:

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More questions? Visit our FAQ section below.



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Types of Coverage Offered

Coverage Offered


We offer insurance for your service vehicles and rental trucks as well as your trailers. Trailers can be insured along with vehicles and may not even need to be scheduled. Coverage requirements vary by state. Please contact an agent for additional details.

Cyber Suite™

Cyber Suite™ insurance covers expenses associated with restoring data and computer systems, and protects against third-party liability from an unauthorized intrusion of your computer system.

Employment Practices Liability Insurance (EPLI)

Employment Practices Liability Insurance, or EPLI, will defend you and pay damages for which you are legally liable due to claims made by employees alleging discrimination, wrongful termination, harassment and other employment-related issues. Offered in most states.

General & Excess Liability

General liability insurance pays for injury or damage to others resulting from your business operations. It also pays to investigate accidents and defend your rental business when it is not liable. Excess liability provides limits above a business's primary liability limits. We include a blanket additional insured by written contract endorsement. This means you do not pay a fee for a Certificate of Insurance showing an additional insured.

Inland Marine

We offer a specialized coverage form for your rental or sales inventory with replacement cost and conversion included.


We offer property/building coverage with replacement cost and no coinsurance, which means you are not required to carry insurance equal to a specified percentage of the property value to receive full payment on a loss. We apply only one deductible for a claim that involves damage to buildings as well as equipment/inventory.

Workers' Compensation

Workers' compensation provides wage replacement and medical benefits to employees injured on the job.

Data Compromise

Data compromise insurance covers expenses arising from a personal data breach.

Safety supplements

Each month, ARA Insurance sponsors a safety supplement that is distributed with Rental Management magazine. These are designed to keep readers up to date on the latest safety and risk management issues.

Read All Safety Issues

Ri$k Happens

These popular articles share real-life claim stories and tips on how you can prevent them from happening to you or your business.

Ri$k Happens Articles

Manage your Risks documents

Understand how to properly manage risks associated with your business to protect the health and safety of your customers and employees. Visit the link below and search for Manage Your Risks.

View All Documents

Frequently asked questions


Take full advantage of all ARA Insurance has to offer

Call us at 800.821.6580