Call YOUR insurance agent. Ask if you have rental coverage, I do and I think most do.
If you don't, get it. It will be much cheaper to get it from your own company, anyway.
When you have it, do not let them try crap like, "We'll demand the money right away even if you have insurance."
Demand all you want, you'll be dealing with my insurance company.
BTW, I had a buddy who worked for Enterprise, it was their biggest moneymaker and he earned a bonus based on how much he sold.