ATV Rental Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

ATV Rental Insurance

ATV rentals provide an exciting and fun way to explore the outdoors. Unfortunately, they come with unique risks that can result in an accident, incident, claim, or lawsuit. That’s why ATV rental companies need to secure the right insurance coverage in order to protect their businesses and customers. Prime Insurance Company specializes in writing comprehensive ATV rental insurance policies that meet the unique needs of these businesses.

As an insurance producer, you can expand your book of business by partnering with Prime Insurance Company to offer ATV rental insurance to businesses that are in need of specialty liability insurance. We are a leading excess and surplus lines insurance company, that has been providing customized insurance policies to ATV rental companies for over 40 years. Read on to learn more, or get started by requesting an insurance quote today!

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients in the ATV rental business, including:

  • ATV Rental Companies
  • ATV Guides
  • ATV Guided Tours
  • ATV Self-Guided Tours
  • UTV Rental Companies
  • UTV Guides
  • UTV Guided Tours
  • UTV Self-Guided Tours
  • ATV Parks
  • ATV Races
  • And More!

Coverage Options

  • Commercial General Liability
  • Commercial Auto Coverage (available in most states)
  • Fleet Insurance
  • Renters Liability
  • Equipment Coverage
  • Personal Liability
  • Premises Liability
  • Products Liability
  • Professional Liability (E&O)
  • Property Coverage
  • Active Shooter Liability Coverage
  • Communicable Disease Liability Coverage
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • TRU Umbrella / Excess Liability
  • And More


The ATV Rental Industry

The ATV rental industry is a growing and profitable sector of the economy. ATV rental companies provide customers with access to off-road vehicles and equipment, allowing them to explore and enjoy the outdoors in a safe and secure manner. This type of business is subject to certain risks, which is why it is important for ATV rental companies to obtain the right liability insurance coverage.

Who Needs ATV Rental Insurance?

Any business that rents out ATVs should have specialty liability insurance. Your clients might have a policy that they think provides the coverage they need. However, when a claim arises, they soon find out they aren’t covered. The truth is, a lot of insurance companies have gaps and exclusions in their policies that will likely not cover some of the operations or activities provided by an ATV rental company. However, Prime writes customized insurance policies based on the insured’s needs so they can operate their business with peace of mind.

Furthermore, if your client in has been denied, canceled, or non-renewed by another insurance company, Prime can step in to offer insurance. When others can’t or won’t provide coverage, we do our best to provide a solution.

The Unique Risks of an ATV Rental Business

ATV rental companies face certain risks that are unique to their business. These include potential liabilities due to customer injury or property damage, as well as liability for ATV breakdowns or malfunctions. Prime Insurance Company offers tailored coverage to meet the unique needs of ATV rental businesses, providing them with the peace of mind that their business is protected from potential losses and liabilities.

Insurance Providers for ATV Rental Companies

Looking for the best insurance provider for ATV rental companies? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the insurance producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a long-lasting, healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you. We are a true insurance partner!

Get an ATV Rental Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your ATV rental insurance quote today by clicking the “Get a Quote!” button above.


  • Expand your book of business by offering Prime Insurance Company’s ATV rental insurance to your clients needing specialty liability insurance.
  • Our insurance for ATV rental companies can protect your clients if a claim, lawsuit, incident, or accident occurs.
  • ATV rental companies face many unique risks, including ATV breakdowns or malfunctions, operating under self-guided or guided tours, customers injuring themselves or others, and more. ATV rental insurance from Prime Insurance Company can help protect your clients against these risks.
  • We offer a variety of insurance coverage options for ATV rental businesses, including commercial general liability, renters liability, property coverage, fleet insurance, TRU Umbrella, and more.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. ATV rental insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Experts in the ATV Rental Industry

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure ATV rental businesses all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for ATV rental insurance. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.