RPP — Rental Protection Plan
The NorthPoint Rental Protection Plan limits your financial exposure when equipment is accidentally damaged, lost, or stolen. Here is exactly what it covers, what it costs, what the conditions are, and what it does not cover — in plain language.
The Basics
Without the RPP, you are responsible for 100% of all repair or replacement costs if equipment is damaged, lost, or stolen during your rental — plus the rental charges that continue to accrue while NorthPoint repairs or replaces it. The RPP changes that picture significantly.
Coverage Detail
When the RPP applies, NorthPoint limits the amount it can collect from you for loss, damage, or destruction to the following caps per piece of equipment per occurrence.
| Situation | Your Liability With RPP | Maximum Cap |
|---|---|---|
| Lost or stolen equipment | 15% of Fair Market Value | $3,500 per piece of equipment |
| Accidental or incidental damage | 15% of repair charges | $2,500 per piece of equipment |
| Tire repairs | Only charges over $100 per tire | First $100 per tire is covered by RPP |
| Rental charges during repair / replacement period | Nothing — $0 | NorthPoint waives downtime rental charges entirely |
Caps apply per piece of equipment, per occurrence. The RPP fee is 15% of gross rental charges plus applicable taxes.
Five Conditions
The RPP liability reduction only applies if every one of these conditions is satisfied. If any condition is not met, the RPP does not reduce your liability.
Exclusions — Not Covered
These are the specific situations where the RPP does not reduce your liability. If an exclusion applies, you are responsible for 100% of the costs — regardless of whether you paid the RPP fee.
Practical Examples
These scenarios illustrate when the RPP applies and when it does not. They are examples for educational purposes — the actual RPP terms in your rental agreement govern in all cases.
Waiving the RPP
The RPP is not optional. It applies to all NorthPoint equipment rentals. The only circumstance under which the RPP fee can be waived is if the customer provides a qualifying Inland Marine insurance policy before the rental begins.
To waive the RPP, you must provide a current Inland Marine insurance policy — also known as a Contractor's Equipment Floater or Equipment Floater policy — that meets both of the following requirements:
1. Full replacement value coverage. The policy must cover the rented equipment for its full replacement value — not actual cash value (ACV), not a sublimit, and not subject to a depreciation schedule. The coverage must be sufficient to replace the equipment at current new market value.
2. NorthPoint Equipment Rentals LLC named as additional insured. The policy must specifically name NorthPoint Equipment Rentals LLC as an additional insured on the policy. A general certificate of insurance is not sufficient — the additional insured endorsement naming NorthPoint must be included.
Standard business policies that do not qualify: general liability policies, business owner policies (BOPs), commercial property policies, and umbrella policies that do not include a specific Inland Marine / Equipment Floater component. If you are unsure whether your policy qualifies, contact your insurance broker before your rental and ask specifically whether your Inland Marine or Equipment Floater policy covers rented heavy equipment at full replacement value and whether NorthPoint can be named as additional insured.
Present your certificate of insurance and the additional insured endorsement at the rental counter before the rental begins. NorthPoint will confirm eligibility. If your policy expires or no longer qualifies during an active rental, the RPP fee applies for that period.
Common Questions
Official RPP Language
The following is the official Rental Protection Plan language from the NorthPoint Equipment Rentals rental contract. The plain-language explanations above are provided for clarity — the formal contract language below governs in all cases.
Coverage: Customer's repair or replacement responsibility is modified by the RPP, if offered on the Equipment, and NorthPoint Equipment Rentals, LLC shall limit the amount NorthPoint Equipment Rentals, LLC collects from Customer for the Equipment loss, damage or destruction to the following amounts for each piece of Equipment, per each occurrence: (a) 15% of the FMV for Lost Equipment, up to a maximum of $3,500 per piece of Equipment; (b) 15% of the repair charges for incidental or accidental damage to Equipment, up to a maximum of $2,500 per piece of Equipment; (c) charges in excess of $100 per tire for tire repairs; and (d) nothing for the rental charges which would otherwise accrue during the period when damaged or destroyed Equipment is being repaired or replaced by NorthPoint Equipment Rentals, LLC or Lost Equipment is being replaced.
Conditions: All of the following Conditions must be satisfied for the RPP and the corresponding liability reduction to apply: (i) Customer accepts the RPP in advance of the rental; (ii) Customer pays 15% of the gross rental charges as the fee for the RPP (plus applicable taxes); (iii) Customer fully complies with the terms of this Contract; (iv) Customer's account is current at the time of the loss, theft, damage or destruction of the Equipment; and (v) none of the Exclusions apply.
Exclusions: "Exclusions" shall mean loss, theft, damage or destruction of the Equipment: (A) due to intentional misuse; (B) caused by Lost Equipment not reported by Customer to the police within 48 hours of discovery, and substantiated by a written police report (promptly delivered to NorthPoint Equipment Rentals, LLC); (C) due to floods, water level changes, wind, storms, earthquakes or Acts of God; and (D) accessories or Equipment for which Customer is not charged the RPP fee.
Important Notice: 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. THE EXCLUSIONS REMAIN THE LIABILITY OF CUSTOMER AND ARE NOT MODIFIED BY THE RPP. RPP IS REFLECTED ON THIS CONTRACT AS PART OF CUSTOMER'S ESTIMATED CHARGES UNLESS CUSTOMER HAS ELECTED TO DECLINE RPP IN WRITING, FAILS TO PAY THE RPP FEE OR MADE OTHER CONTRACTUAL ARRANGEMENTS WITH NORTHPOINT EQUIPMENT RENTALS, LLC.
The RPP counter staff can explain exactly how the plan applies to the specific equipment you are renting before you confirm.