GigRentals LLC · Owners

You run a small rental company. We are the storefront and the broker.

GigRentals materials are product templates for an application process. They are not legal, tax, or insurance advice. A California attorney and a licensed broker must review any live program. Quotes are estimates. Applications are not offers. Inspection, underwriting, match, and countersignature are required before any vehicle changes hands.

GigRentals LLC is a California marketplace and insurance intermediary. We help owners stand up their own rideshare-rental business, and we match people who want to learn gig driving with those cars. We do not take title, do not employ drivers, and we are not the named insured on the per-trip binder.

1. Title stays with you

We do not buy the car, take title, or employ the driver. You apply to list a passenger vehicle you own (or that your lienholder has agreed in writing to list). The person who drives it is a renter learning gig work — not your employee and not ours. We do not send Uber trips or set those fares.

2. Why we are not HyreCar

A master commercial policy with the marketplace as policyholder puts every wreck on that company’s book. We do not do that. Under California’s Personal Vehicle Sharing Program (Insurance Code § 11580.24) we act as a digital marketplace and insurance intermediary (MGA / surplus-lines partner). Each booking calls an InsurTech API (Lula, Tint, or ABI) and issues a single-trip binder.

Named insured: the driver. Additional insured / loss payee: you. Program liability $45,000 / $90,000 / $15,000 plus optional collision. Claims file with that carrier. Hold harmless and indemnity sit between driver, owner, and insurer — not on our balance sheet.

3. Three clocks

At home, no renter. Your personal policy. We have zero liability. Do not cancel what your lender already requires.

Renter has the keys, gig app off. The per-trip binder is primary for that window. Grocery run, parked overnight, commute between gigs.

Gig app on. Uber, Lyft, or DoorDash is primary. Our binder is excess if at all. Proof cards are for the named driver only.

4. Control must be timestamped

§ 11580.24 cares about the minute possession moves. We log key-unlock, trip start, and trip stop as immutable timestamps. No binder, no eight-angle photo pack, no unlock.

5. Pay

Estimates are caps. Host net is in arrears after collected rent, downtime, and the protection take (15% Standard / 25% Plus). Stripe Connect. The desk cannot see balances.