Our Renters Contingent Liability Insurance (RCLI)† prices each rental on personal, non-gig miles and driving safety and shows you both in real time across your fleet.
For fleets with 10+ vehicles and 2+ years of insurance history
Run every rental from license check to toll chargeback, see accident risk live, and offer liability coverage with every rental, all branded to your fleet. Go live within two weeks.
Renters switch between personal errands and gig trips all day across several gig platforms…
School drop-off, then Uber, Lyft and DoorDash between family commitments.
Airport runs juggling Uber and Lyft to chase surge pricing, then overlapping delivery apps around a doctor’s appointment.
…and today’s policies don’t fit mixed gig-personal driving
Claims are denied if there is any gig driving, leaving fleets holding the bag.
Uber, Lyft, DoorDash, and Amazon Flex already insure trip miles. Most policies ignore this.
…so your liability coverage should credit you for miles that gig platforms cover
Pay to insure only these miles.
Don’t pay to cover miles already insured by these gig platforms.
Fleet owner shares vehicle telemetry with AgoUse an approved plug-in device or the vehicle maker’s API. See Getting Telemetry From Your Vehicles on the “Fleet Management” tab.
Driver books rental, declares gig or personal use, and buys coverageRenters buy coverage, or your fleet buys coverage for the rental window and passes the cost through to the renter.
Ago analyzes every driver, every mile: gig-insured vs. personal miles and driving safetyDrivers securely link Uber, Lyft, DoorDash, and Amazon Flex accounts. Ago monitors speeding, hard braking, and tired driving using vehicle telemetry.
Fleet operator sees fleetwide risk live by renter and by vehicleAfter an accident, review driving behavior in the minutes leading up to it. Use gig trip data to determine whether it occurred during a platform-insured period. See Fleet Operator Web Portal
Upon rental extension, coverage renewal price reflects gig-insured miles and driving safetyMore gig-insured miles and safer driving lower the rate for the extension. See the pricing grid below.
The state minimum coverage in the state where the accident occurs. The first $2,500 of each accident must be paid by the insured.
All U.S. states except New York State and Michigan, where our coverage is void for any rental that starts, ends, or travels through either state. Excludes Mexico, U.S. territories, and all other countries. Covers Canada only when rental starts in the U.S.
Renters must accept RCLI when the rental starts and keep it in force for the entire rental. The CRA policy’s liability coverage, which pays for injuries and damage the driver causes to others, is primary: It pays first, even if the renter has their own car insurance. Coverage for the driver’s own injuries (personal injury protection) and for crashes caused by drivers with no or too little insurance (uninsured/underinsured motorist coverage) is turned down wherever the law allows, and otherwise pays only after other insurance. This is a summary. The full policy terms and exclusions apply.
| Personal Miles per Rental Day | Safest | Safe | Typical | Higher risk |
|---|---|---|---|---|
| Under 50 mi | $11 | $14 | $18 | $21 |
| 50–100 mi | $14 | $18 | $22 | $26 |
| Over 100 mi | $17 | $22 | $26 | $31 |
Personal miles are a renter’s total miles minus the miles that Uber, Lyft, DoorDash, and Amazon Flex insure. New drivers start at Safe, 50–100 mi/day (~$18/day), outlined in blue. Each coverage period lasts one day to one week. Each renewal re-prices based on actual driving. Rates may vary due to geography and other factors.
| Renters buy RCLI | Fleet buys RCLI and passes cost on to renter | |
|---|---|---|
| InsuranceRCLI premiums | $0Renters pay for their own coverage | ~$14,400/month* ($360 per vehicle)Recovered through a higher rental price |
| Vehicle telemetryFrom your existing telemetry devices | $0 additionalMost fleets already pay their telemetry device maker | $0 additionalMost fleets already pay their telemetry device maker |
| Total | $0/month | $0/month netAfter passing ~$14,400/month in premiums on to renters |
* Example: 40 vehicles rented 20 days a month at ~$18/day, a new driver’s starting price. Your actual pricing will depend on how your vehicles are driven. The fleet’s insurance cost is exactly what renters would have paid.
Description and photos of the accident.
Ago’s Accident Detective can tell you if the driver was on a gig trip that might cover liability for the accident and if the driver was driving unsafely.
Report accident to Carl Warren (first contact for claims) within 30 days. Tell them how, when, and where it happened, including if it was during a gig trip.
Personal driving: Our RCLI covers. During a gig trip: the gig platform’s insurance assesses coverage.
Claims may take substantial time to resolve, and you are required to help the claims administrator with details and facts about the accident.
“With Ago, our renters get liability coverage that doesn’t charge them for the miles Uber and DoorDash already insure, and we see every vehicle’s gig miles and driving safety live. Gig drivers have become customers we can grow with. We’ve been using Ago’s risk analytics for over a year and so far we’ve had no accident claims.”Byron Young, CEO, Back in Business Rental Cars, September 2026
Talk with us about RCLI, risk visibility, and rental management.
† RCLI covers your renters’ liability during rentals. You still need coverage for off-rental liability. If you decide not to self-insure, you will also need physical damage coverage.
* $11 is our lowest daily rate for the safest renter with under 50 personal miles/day vs. $25+ per day for a typical short-term rental liability policy. Personal miles are a renter’s total miles minus the miles that Uber, Lyft, DoorDash, and Amazon Flex insure.
Ago Technologies provides risk analytics and fleet management software and is not acting as a broker or insurer. CRA is the named insured on a policy issued by ARIG PCS and is reinsured by Fore Mobility Captive Cell, with Carl Warren as the initial claims contact and G Wealth Strategies managing enrollment.
© 2026 Ago Technologies LLC Privacy Policy Terms & Conditions Responsible Disclosure Request Deletion of User Data
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AI detects gig driving from vehicle GPS telemetry alone, without access to drivers’ gig accounts.
Time-stamped GPS telemetry
Trained on millions of miles of real gig platform trips matched to vehicle GPS
Install a plug-in device from one of these manufacturers.
We support telemetry devices from several other manufacturers. Please check with us.
No device needed: Ago connects directly with the vehicle maker’s API*.
* $20 per vehicle per month fee, no installation cost
| Ago Fleet Management$35 per vehicle per month | $1,400/month40 vehicles × $35 |
|---|---|
| Vehicle telemetryFrom your existing telemetry devices | $0 additionalOr $20 per vehicle per month through the vehicle maker’s API, with no installation cost |
| Total | $1,400/month |
“Ago runs our whole rental operation, from license checks and bookings to payments and toll chargebacks, and RCLI is built into every rental so no car leaves our lot uninsured. Throughout, its customer support has been rapid and super helpful.”Jeremy Spoon, CEO, Fore Mobility, April 2025
Talk with us about end-to-end vehicle rental management integrated with risk monitoring and insurance.
© 2026 Ago Technologies LLC Privacy Policy Terms & Conditions Responsible Disclosure Request Deletion of User Data
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