Rental counter handing keys in front of a glass wall of high-end vehicles
FLEETGUARD • RENTAL-AGENCY ONLY COVERAGE

When the renter’s insurance blinks, FleetGuard pays you.

FleetGuard is a specialty policy written only for the rental agency — not the renter — that steps in when personal auto policies deny, delay, or come up short.

Talk to Inuity Why mandate FleetGuard?

Purpose-built protection for the rental agency balance sheet

FleetGuard is not auto liability or collision coverage. It is a limited, specialty policy that insures only the rental agency for certain unpaid amounts after a Rental Event: PAP denials, exhausted limits, deficiency amounts on financed vehicles, disputed liability and no-response situations, and even the renter’s deductible, when it’s owed to you under the Rental Agreement.

Every dollar paid under FleetGuard is paid to the rental agency. Renters, drivers, and passengers are not insureds and have no rights under the policy. That structure is intentional: FleetGuard is designed to keep your owners, lenders, and P&L whole when the renter’s insurance fails to perform as expected.

Who is insured?
Only the rental agency named on the declarations
Max policy payout
Up to $150,000 per policy (across coverages)
Rental events
Intended to be bound on essentially every rental

Five ways FleetGuard catches what renter insurance misses

Coverage A

PAP Exclusion Event Protection

When a renter’s Personal Auto Policy denies, limits, or partially pays a claim, Coverage A can reimburse the rental agency for the unpaid portion the renter owes you under the Rental Agreement.

  • Unlisted or unauthorized drivers
  • Excluded uses (Turo-style, delivery, business use, etc.)
  • Non-owned auto restrictions and rental car exclusions
  • Late notice or cooperation denials
Coverage B

Excess Liability – Rental Event

If the agency is pulled into a claim purely as titled owner, Coverage B can respond on an excess basis once the renter’s liability coverage and other applicable insurance are exhausted.

  • Applies only to your vicarious or statutory owner liability
  • Excess of renter’s PAP and any other collectible insurance
  • Paid directly to the agency for amounts you’re legally required to pay
Coverage C

Deficiency Amount Protection (GAP)

When a financed or investor-owned vehicle is a total loss, Coverage C can help fill the gap between what insurance and salvage actually pay and the remaining loan or lease balance you’re contractually responsible for.

  • Protects your own financing or management obligations
  • Supports owner / investor relationships
  • Does not alter the PAP valuation—it fills the shortfall
Coverage D

Disputed Liability / No-Response Protection

When insurers go silent, reserve their rights, or endlessly dispute liability, Coverage D can step in after a defined waiting period so the agency isn’t stuck waiting indefinitely.

  • Trigger after no acceptance or clear response to your notice
  • Applies to valid, enforceable renter obligations that remain unpaid
  • Designed for 30+ day dispute / no-response scenarios
Coverage E

Renter’s PAP Deductible Reimbursement

Even when the renter’s PAP pays, their deductible can still leave a balance owed to you. Coverage E allows the agency to recover that deductible amount (above a minimum loss threshold) when it’s due under the Rental Agreement.

  • Applies only above a minimum loss threshold (e.g., $10,000)
  • Deductible reimbursement is paid to the agency, not the renter
  • Aligned with your rental contract’s deductible language
Policy structure

Agency-First Design & Subrogation

FleetGuard is built to protect the rental agency first. Renters are not insureds, and Inuity retains subrogation rights so you don’t have to be the bad cop chasing them.

  • All payments flow to the agency
  • Subrogation back to renters and other responsible parties
  • No obligation to tender to your own fleet policy

Why FleetGuard should be mandated on every single rental

FleetGuard is designed with the assumption that it will be bound on virtually all Rental Events in each applicable vehicle category. The policy even includes a coinsurance / take-up rate condition that expects a very high percentage of rentals to carry the coverage. In practice, the product works best — and is priced fairly — when the agency treats it as standard operating procedure, not an optional upsell.

Operational reasons to make it non-optional

  • No guesswork at the counter. Staff never has to decide which renter “needs” FleetGuard. Every qualifying rental gets the same protection.
  • Consistent claims experience. When PAP denials, limited payments, or no-response situations pop up, your team knows FleetGuard is in place.
  • Protects owners and investors. GAP-style Coverage C reduces the risk of a catastrophic write-off on financed or investor vehicles.
  • Aligns with underwriting. The product is priced assuming a broad, diversified pool of Rental Events — not cherry-picking a few “bad” risks.
  • Supports lender and franchise conversations. Being able to say “we carry FleetGuard on every rental” is a strong risk management story.

Risk & compliance alignment

  • Coinsurance condition. The policy expects a high percentage (e.g., 75%+) of eligible rentals to carry FleetGuard in each covered category — another reason not to treat it as optional.
  • Rental-agency-only coverage. Because the renter is not an insured, there’s no confusion about who the product is meant to protect.
  • Supports PAP verification discipline. The policy rewards agencies that consistently verify renter PAP coverage and keep clean documentation files.

Think of FleetGuard as your “second line of defense.”

First line: renter’s Personal Auto Policy and any required primary liability or physical damage product. Second line: FleetGuard, catching the unpaid amounts that are contractually owed to you when those primary arrangements don’t deliver.

Making FleetGuard mandatory closes the gap between your expectations and reality — especially when PAP language quietly changed years ago, and most call centers still say “you’re covered” on recorded lines.

Common questions from rental operators

Is FleetGuard auto liability or collision insurance for the renter?
No. FleetGuard is a limited, specialty policy that protects only the rental agency for specified unpaid amounts after a Rental Event. It does not satisfy financial responsibility laws, does not provide first-party coverage to the renter, and does not replace your primary fleet or liability policies.
Can the renter make a claim directly under FleetGuard?
No. Renters, drivers, and passengers are not insureds and have no rights, benefits, or expectations of coverage under FleetGuard. All payments go to the rental agency, and Inuity retains subrogation rights against responsible parties.
What documentation does the agency need to keep?
The policy requires disciplined rental files: valid Rental Agreements, PAP verification calls and recordings, pre-loss photos, and standard claim documentation (police reports, estimates, communications). That documentation is what allows FleetGuard to respond when PAPs deny, limit, or delay payment.
Why can’t we just offer FleetGuard on a few “risky” rentals?
The product is underwritten and priced assuming broad adoption across your fleet and vehicle categories. Mandating FleetGuard on every eligible rental supports the policy’s coinsurance / take-up rate condition, smooths loss experience, and avoids adverse selection that could undermine the program.