General Liability Insurance
General liability is the foundation of any scooter or moped rental, dealer, or fleet business. It protects against third-party claims of bodily injury or property damage arising from your operations.
General Liability for Scooter & Moped Businesses
Putting riders on scooters and mopeds — or running a dealership and service shop — means real public exposure. General liability (GL) responds when a third party is injured or their property is damaged because of your operations: a pedestrian struck near your rental stand, a customer hurt in your showroom, or property damage tied to your business.
Why Standard Policies Won't Cover You
Most standard business and commercial policies exclude scooter and moped rental, powersports, and shared-mobility operations. A generic policy bought online will not respond to your core business. We place your GL with specialty carriers that knowingly write scooter rental shops, moped dealers, and e-scooter fleets.
What GL Covers
- Bodily injury: Third-party injuries connected to your operations
- Property damage: Damage your operation causes to others' property
- Premises liability: Slip-and-falls at your shop, lot, or rental stand
- Products & operations: Claims tied to the units and services you provide
- Defense costs: Legal defense even when a claim is groundless
Lease, City, and Permit Requirements
Landlords, municipalities, and shared-mobility permits frequently require operators to carry GL — commonly $1M per occurrence / $2M aggregate — and to name the city or landlord as additional insured. We issue certificates and additional insured endorsements quickly so you stay compliant and keep operating.
What's Covered
Frequently Asked Questions
Almost never. Standard carriers exclude scooter/moped rental and shared-mobility operations. You need specialty coverage built for rental, dealer, and fleet businesses — which is what we place.
$1M per occurrence / $2M aggregate is the common baseline required by landlords and city permits. Shared-fleet operators often carry higher limits. We tailor limits to your contracts and permits.