What must my certificate of insurance (COI) include for NorthPoint?

Your COI must show: all-risks property coverage at full replacement cost, CGL at $2M minimum per occurrence, NorthPoint Equipment Rentals LLC named as additional insured and loss payee on a closed clause basis, primary coverage with no self-insured retention, waiver of subrogation against NorthPoint Equipment Rentals LLC, and policy effective dates covering the full rental term. A general COI is not sufficient — the additional insured endorsement naming NorthPoint must be included.

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Insurance Requirements | NorthPoint Equipment Rentals NH

Insurance Requirements

Two Requirements.
Clearly Explained.

Q: What insurance does NorthPoint Equipment Rentals require from customers?

All NorthPoint customers must maintain two types of insurance during any rental: (1) property damage and casualty insurance on an all-risks basis for the full replacement cost of the rented equipment, and (2) commercial general liability insurance with minimum limits of $2,000,000 per occurrence. Both policies must name NorthPoint Equipment Rentals, LLC as an additional insured and loss payee on a closed clause basis, be primary with no self-insured retention, and include a waiver of subrogation against NorthPoint Equipment Rentals, LLC.

Q: What insurance do I need to waive the RPP at NorthPoint?

To waive the Rental Protection Plan (RPP) fee, you must provide a qualifying Inland Marine insurance policy — also called a Contractor's Equipment Floater or Equipment Floater policy — that covers the rented equipment for its full replacement value and names NorthPoint Equipment Rentals, LLC as an additional insured. Standard general liability, business owner, commercial property, and umbrella policies do not qualify to waive the RPP.

NorthPoint Equipment Rentals has two separate insurance requirements. The first applies to every rental. The second applies only if you want to waive the Rental Protection Plan fee. Here is exactly what each requires and what your COI must show.

Requirement 1 — All Rentals

Clause 19 Property & Liability Coverage

All-risks property at full replacement cost · $2M CGL · NorthPoint named as AI

Requirement 2 — To Waive RPP Only

Inland Marine / Equipment Floater Policy

Full replacement value · NorthPoint named as additional insured · Waives the 15% RPP fee

Before You Start

WHY THERE ARE TWO SEPARATE REQUIREMENTS

These two requirements are independent of each other and serve different purposes. Confusing them — or assuming one satisfies the other — is the most common insurance mistake customers make.

The Key Distinction

Clause 19 insurance is required for all rentals. It protects NorthPoint and the customer against liability arising from the use, handling, and possession of rented equipment. It covers third-party claims, property damage, and general liability. It does not waive the RPP fee.

Inland Marine / RPP waiver insurance is only required if you want to eliminate the 15% RPP fee. It is a specific type of property policy covering the rented equipment itself for full replacement value. Providing this policy satisfies the RPP waiver requirement — but it does not satisfy Clause 19 on its own.

A customer with both types of coverage has met all NorthPoint insurance requirements. A customer with only one type has not fully met both.

Under Clause 19 of the NorthPoint Equipment Rentals rental contract, every customer agrees to maintain the following insurance coverage for the full duration of each rental term. This requirement applies regardless of whether the customer is a homeowner, contractor, or business, and regardless of whether the RPP fee is being paid.

Coverage Type A

All-Risks Property Insurance

Property damage and casualty insurance on an "all risks" basis for the full replacement cost of the rented equipment, including all risks of loss or damage covered by the standard extended coverage endorsement. Deductibles, if any, must be acceptable to NorthPoint Equipment Rentals, LLC in its sole discretion.

Coverage Type B

Commercial General Liability (CGL)

Commercial general liability insurance with minimum limits of $2,000,000 per occurrence. Must cover all operations and contractual obligations and all damage or liability arising from handling, transportation, maintenance, operation, use, or possession of the equipment during the rental term.

Both policies must satisfy all of the following conditions:

Condition	Requirement
Named additional insured	NorthPoint Equipment Rentals, LLC must be named as additional insured on a closed clause basis
Loss payee	NorthPoint Equipment Rentals, LLC must be named as loss payee on a closed clause basis
Coverage priority	Must be primary — no self-insured retention
Subrogation	Must include waiver of subrogation against NorthPoint Equipment Rentals, LLC
Term coverage	Must remain in force for the full rental term — cannot be cancelled during the rental period without notice to NorthPoint
Documentation	Customer must provide copies of proper endorsements confirming the above before the rental begins
NorthPoint's own insurance	Any insurance carried by NorthPoint Equipment Rentals, LLC is deemed to be excess over customer's insurance

A General COI Is Not Sufficient

A standard certificate of insurance (COI) that lists NorthPoint as a certificate holder is not sufficient. NorthPoint Equipment Rentals, LLC must be specifically named as additional insured AND loss payee on a closed clause basis via policy endorsement. Bring the COI together with the endorsement document to the rental counter before your rental begins.

The Rental Protection Plan (RPP) fee — 15% of gross rental charges — applies to all NorthPoint rentals by default. It is the only practical way for most customers to limit their financial exposure on rented equipment. The fee can be waived, but only with a specific type of insurance policy that meets strict requirements.

To waive the RPP, you must provide a qualifying Inland Marine insurance policy — also called a Contractor's Equipment Floater or Equipment Floater policy — before the rental begins. The policy must satisfy both of the following requirements:

Requirement 1 of 2

Full Replacement Value Coverage

The Inland Marine policy must cover the rented equipment for its full replacement value. Coverage based on actual cash value (ACV), depreciated value, or a sublimit does not qualify. The coverage must be sufficient to replace the equipment at its current new market value.

Requirement 2 of 2

NorthPoint Named as Additional Insured

The Inland Marine policy must specifically name NorthPoint Equipment Rentals, LLC as an additional insured via policy endorsement. Listing NorthPoint as a certificate holder only is not sufficient. The additional insured endorsement must be provided alongside the COI.

Provide the COI and the additional insured endorsement at the rental counter before the rental begins. NorthPoint staff will review both documents and confirm whether the RPP waiver is approved. If your policy expires or no longer qualifies during an active rental, the RPP fee applies for that period.

Waiving the RPP Does Not Satisfy Clause 19

These are two separate requirements. Providing an Inland Marine / Equipment Floater policy waives the RPP fee — but you must still separately maintain Clause 19 property and liability coverage (all-risks at full replacement cost plus $2M CGL) for the same rental. Both requirements must be met independently.

Know Before You Call Your Broker

WHICH POLICY TYPES QUALIFY — AND WHICH DO NOT

This is the section most contractors need before they call their insurance broker. The following breakdown applies specifically to the RPP waiver requirement. Clause 19 requires all-risks property at full replacement cost and $2M CGL — which most established contractor insurance programs already include.

Qualifies — RPP Waiver

Policies That Can Waive the RPP

Inland Marine policy (Equipment Floater)

Contractor's Equipment Floater

Any named Inland Marine policy covering rented equipment at full replacement value with NorthPoint named as additional insured

Does Not Qualify — RPP Waiver

Policies That Cannot Waive the RPP

General Liability (GL) policy alone

Business Owner Policy (BOP)

Commercial property policy

Umbrella or excess liability policy

Workers' compensation policy

Homeowner's insurance

Any Inland Marine policy with ACV (not replacement value) coverage

Any policy that does not name NorthPoint as additional insured

What to Ask Your Insurance Broker

Before your rental, call your broker and ask specifically:

"Do I have an Inland Marine or Contractor's Equipment Floater policy that covers rented equipment for full replacement value — not ACV?"

If yes: "Can you add NorthPoint Equipment Rentals, LLC as an additional insured on that policy and issue an endorsement and COI before my rental date?"

Many contractors are surprised to find their existing Equipment Floater already covers rented equipment — they just need to add the additional insured endorsement. Others discover their policy only covers owned equipment and will need a rented equipment rider. Either way, knowing before you arrive at the counter saves time.

What to Bring to the Counter

YOUR COI CHECKLIST

Present these documents at the rental counter before your rental begins. NorthPoint staff cannot begin the rental until insurance documentation is confirmed. Plan to have your broker send the COI and endorsement at least 24 hours before pickup or delivery.

Certificate of Insurance (COI) — ACORD 25 or equivalent

Showing your all-risks property policy at full replacement cost and your CGL at $2,000,000 minimum per occurrence. Policy effective dates must cover the full rental term.

Additional Insured Endorsement — CG 20 10 or equivalent

Specifically naming NorthPoint Equipment Rentals, LLC as additional insured and loss payee on a closed clause basis. Listing NorthPoint as certificate holder only is not sufficient — the endorsement document must be included.

Waiver of Subrogation Endorsement

Confirming that your insurer waives its right of subrogation against NorthPoint Equipment Rentals, LLC. This must appear on the endorsement, not only on the face of the COI.

Inland Marine / Equipment Floater Endorsement (RPP waiver only)

If you are also waiving the RPP: a separate Inland Marine COI or endorsement showing coverage for rented equipment at full replacement value, with NorthPoint Equipment Rentals, LLC named as additional insured. This is in addition to items 1–3, not a replacement for them.

Send Documents in Advance

Email your COI and endorsements to [email protected] before your rental date so NorthPoint staff can confirm compliance before you arrive. Waiting to present documents at the counter on the morning of pickup or delivery can cause delays if any documentation is incomplete.

Common Questions

INSURANCE REQUIREMENTS FAQ

Do I need to provide insurance for every rental?

Yes. The Clause 19 insurance requirement applies to every rental at every NorthPoint location. There is no exception for small rentals, short durations, or homeowner customers. If you do not have qualifying Clause 19 coverage, the RPP is your practical alternative — but it covers the equipment only, not your liability to third parties.

I'm a homeowner renting a small machine for a weekend. Do I really need $2M in liability coverage?

The Clause 19 requirement applies to all customers per the rental contract. Most homeowners will not have this coverage and will proceed with the RPP instead. The RPP limits your financial liability to NorthPoint for equipment loss or damage — but it does not protect you from third-party liability claims arising from use of the equipment. Talk to your insurance broker about your exposure before renting heavy equipment without liability coverage.

My company has a general liability policy. Does that satisfy Clause 19?

Partially — your GL policy may satisfy the $2M CGL requirement if it names NorthPoint as additional insured and includes the waiver of subrogation. But the GL policy alone does not satisfy the all-risks property at full replacement cost requirement. You need both: a property policy covering the equipment and a CGL policy. Ask your broker to confirm you have both components and that each names NorthPoint Equipment Rentals, LLC as additional insured and loss payee on a closed clause basis.

I have an Equipment Floater for my owned equipment. Does that cover rentals?

It depends on the policy language. Some Inland Marine / Equipment Floater policies automatically cover rented equipment; others explicitly exclude it or require a specific rented equipment rider. Ask your broker: "Does my Equipment Floater policy cover rented heavy equipment for full replacement value?" If yes and if you can add NorthPoint Equipment Rentals, LLC as additional insured, that policy can waive the RPP. You will still need separate Clause 19 CGL coverage.

What is a "closed clause" additional insured?

A closed clause additional insured means NorthPoint Equipment Rentals, LLC is named specifically and directly in the policy endorsement — not as a blanket additional insured that applies to "any party required by contract." The endorsement must specifically name NorthPoint Equipment Rentals, LLC as the additional insured and loss payee. Your broker will know how to issue this — tell them the certificate holder requires a closed clause named additional insured and loss payee endorsement.

What does "primary, no self-insured retention" mean?

Primary means your policy pays first — before any NorthPoint insurance is triggered. No self-insured retention means you cannot have a self-insured layer that must be exhausted before your policy responds. Some larger contractors carry self-insured retentions (essentially high deductibles that they pay out-of-pocket before insurance kicks in). NorthPoint requires that there be no SIR on the policies provided — coverage must respond immediately on the first dollar of a claim.

Can I email my COI and endorsements instead of bringing paper copies?

Yes. Email your COI and endorsements to [email protected] before your rental date. NorthPoint staff will review and confirm. Having documents confirmed in advance is the most efficient approach — it avoids any delays at the counter or on delivery day. If you send documents by email, ask for confirmation that they have been reviewed and accepted before the rental begins.

What happens if my insurance expires mid-rental?

If your insurance lapses or is cancelled during an active rental, Clause 19 requires that you maintain coverage for the full term. If you were using a qualifying Inland Marine policy to waive the RPP and that policy expires, the RPP fee applies for the period without coverage. Notify NorthPoint Equipment Rentals, LLC if your policy changes or is cancelled during a rental and provide updated documentation immediately.

Where do I send my COI if I want to confirm before my rental?

Email to [email protected] with your name, rental date, and the location you are renting from. You can also bring physical copies to any NorthPoint location during business hours — Monday through Friday 7:30am to 5:00pm and Saturday 8:00am to 12:00pm. For questions about whether specific coverage qualifies, call your nearest NorthPoint location directly.

QUESTIONS ABOUT
YOUR COVERAGE?

Email your COI and endorsements to [email protected] or call your nearest location before your rental date.

Email Your COI Call (603) 499-7926

All customers are required to provide NorthPoint Equipment Rentals, LLC. with an Insurance Certificate for all equipment rentals. If not, then customer must purchase Rental Protection Plan ("RPP"). The RPP is NOT INSURANCE and does NOT protect Customer from liability to NorthPoint Equipment Rentals, LLC or others arising out of possession, control or use of the Equipment, including injury or damage to persons or property. THE RPP IS A CONTRACTUAL MODIFICATION OF CUSTOMER’S LIABILITY (see Terms and Conditions).

Please submit the following requirements to your insurance agency to prevent any delays and ensure adequate coverage:

Insured: The name listed as insured must match the name of the renter. If the insured is a company name, the renter must provide proof of ownership to use the company’s COI.

Coverage: The Certificate must indicate the coverage for General Liability and Inland Marine or Miscellaneous Rented Equipment covering Replacement Costs.

Commercial General Liability with minimum limits of $ 1,000,000 per occurrence, the required liability insurance shall include coverage for Lessee’s contractual liability.

• Workers’ Compensation with statutory limits and Employer’s Liability with a minimum

limit of $1,000,000. An umbrella/excess policy can be used to satisfy the above required limits.

• Property/Inland Marine or Miscellaneous Rented Equipment insurance with a minimum

limit equal to the full replacement value of the leased/rented equipment.

• If Lessee intends to cancel any of the required insurance policies, 30 days written notice

shall be delivered to NorthPoint Equipment Rentals, LLC.

Dates: Policy must be in effect for at least 2 days prior and 5 days after the rental scheduled

period.

Description: Certificate Holder is included as Loss Payee with regard to our interests in the

property coverage and additional insured on the General Liability regarding liability insurance.

Certificate Holder:

NorthPoint Equipment Rentals, LLC. MUST be named Additional Insured under General Liability. This endorsement

shall be provided on a primary and non-contributory basis.

NorthPoint Equipment Rentals, LLC. MUST be named as Loss Payee on the Property/Inland Marine Policy. Including

a Contractor Equipment Endorsement covering replacement of Rented/Leased Equipment for the value

of the leased/rented equipment.

We only accept a COI that is emailed direct from an insurance company or agent.

Email: [email protected] and [email protected]

Please allow at least one business day for verification.

Please see the attached example of Certificate of Insurance: