Supporting Employee Wellness During the New Year
Tailored Protection
for Turo Hosts
Protection for your Car-Sharing Business
Home | Peer-to-Peer Car Rental
Protection that Fits Your Needs
Your car isn’t just a vehicle—it’s your livelihood. As a Turo Host, you’ve taken the wheel of your own business, turning your vehicle into a source of income and opportunity. But does your insurance match the unique demands of car-sharing?
At Heffernan Insurance Brokers, we understand the challenges and risks Turo Hosts face. Through our Carsmart Insure program, we provide affordable, comprehensive coverage that fills the gaps left by traditional auto insurance. With policies starting at just $20 per month, you’ll get the protection and support you need to keep your business running smoothly—no matter the road ahead. Request a Quote today.
Key Benefits for Turo Hosts
Made for Turo Hosts
Get coverage specifically designed for
car-sharing needs, with premiums
starting as low as $20 per month.
Fleet-Friendly Discounts
Save more when insuring multiple
vehicles as your business grows.
Unlimited Driving
No mileage restrictions—drive as much
as your business demands.
Comprehensive Protection
Covers physical damage, liability, and
more to keep your business secure.
Fast and Easy Claims
Quick claims support so you can get
back on the road without delays.
Simple Policy Management
Add or remove vehicles and adjust
coverage through our easy-to-use portal.
Why Choose Our Turo Host Coverage?
Whether you’re sharing one car or managing a fleet, we make insurance simple and effective. Our policies are crafted to align with your needs, providing:
- Comprehensive protection for your vehicles, covering physical damage, liability, and more.
- Affordable premiums starting at just $20 per month, so you can keep costs low.
- Peace of mind with fast claims support and easy policy management tools.
Where We’re Available
Our specialized Turo Host insurance is currently offered in:
- California
- Georgia
- New Jersey
- Texas
- Virginia
Frequently Asked Questions
What is Turo Host "Off Platform" insurance and why do I need it?
You are eligible for this insurance policy if you are a Turo Host that:
- is twenty-one (21) years of age or older
- has at least one (1) vehicle registered on Turo and available for rent;
- had at least twenty (20) trips on Turo’s US platform;
- meets the vehicle eligibility requirements as stated on Turo’s US platform;
- meets the hosting standards as stated on Turo’s US platform;
- complies with the terms of service as stated on Turo’s US platform.
Do you offer full coverage?
Yes, comprehensive coverage but subject to limitations. Please keep in mind that your policy only covers your “Off-Platform” usage. Please see “When am I covered” below and refer to the Policy Wording.
When am I covered?
Security company insurance is essential for businesses providing security services, including private security firms, bodyguard services, and event security companies. It’s also necessary for independent armed security guards.
- When your Insured Vehicle is shared via Turo US platform and is in the possession of a Guest.
- When your Insured Vehicle is shared via any other peer-to-peer vehicle-sharing platform or shared directly to a third-party and is in the possession of a Guest.
- When you loan your Insured Vehicle to any third party and it is in the possession of the otherwise permissive user.
- When you are delivering your Insured Vehicle to a Guest.
- When your Insured Vehicle is being cleaned, serviced, refuelled, or repositioned for future use.
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