Insurance Requirements for Renting a Commercial Truck

Suppose U Drive rents and leases trucks to businesses, so your business needs its own insurance in place before pickup. What we need depends on the kind of rental, and this page sets it out so you can pass it straight to your insurance agent.

The request form lists the same requirements as this page, with space for your company details.

What we need from your business

Short-term rentals

We prefer that your business provides its own commercial auto liability insurance, shown on a certificate of insurance (COI) that meets the requirements below.

If your business does not carry commercial auto insurance, we also accept your business’s general liability policy. In that case, we add our Supplemental Liability Insurance (SLI) and Limited Collision Damage Waiver (LCDW) to your rental. This option is for short-term rentals only.

Long-term rentals and leases

All long-term rentals and leases require a certificate of insurance (COI) that meets the requirements below.

What your certificate must show

Liability

• Suppose U Drive named as “Additional Insured per any written contract between both parties” under your auto liability policy. The certificate is not valid without this wording.
• A combined single limit (CSL) of $1,000,000.
• The wording “all vehicles leased, hired, or rented” by the named insured from Suppose U Drive.
• The “any auto” box and/or the “hired auto” or “non-owned auto” box checked in the auto liability section.

Physical damage

• Suppose U Drive named as “Loss Payee” on all hired and non-owned physical damage.
• Comprehensive and collision deductibles of no more than $1,000.
• If your company self-insures physical damage, a letter on company letterhead saying so, or a statement on the certificate that you are self-insured for physical damage.

Certificate details

• Your company’s correct name as the named insured.
• Certificate holder: Suppose U Drive Inc, 3809 San Fernando Road, Glendale, CA 91204.

Sending your certificate

Have your agent email the certificate to [email protected], or to the branch you are renting from. Send it before your pickup date, since your rental may be waiting on it. Using your general liability policy for a short-term rental, or not sure your coverage qualifies? Call us at (800) 404-8800 and we will tell you what we need.

Ready to rent?

Suppose U Drive rents and leases trucks to businesses from four yards in Southern California and Arizona:

• Box trucks, stakebeds, refrigerated trucks, tractors and cargo vans
• Short-term rental and long-term leasing
• Fleet maintenance
• Other customer documents on our forms page