RV Dealership Insurance specialists know how to get great quotes with the right coverage.

Purchasing RV dealership the right way. Insurance for dealers of motorhomes, RVs, campers, & other recreational vehicles.

What does RV dealership insurance cover?

While there are subtle differences in the coverage options you’ll need whether you are a wholesaler, franchised, or independent RV dealership, there are some coverages to consider either way. Known as dealers open lot or dealers physical damage liability insurance, this coverage offers protection for RVs and Campers in your inventory when it comes to collision, loss, theft, and other causes of damage named under your specific policy. Also, consider garage keepers insurance, which provides coverage in the event that a customer’s Motorhome or RV is damaged or stolen while under your control and possession. So, if you take a potential trade-in for a test drive, are working on a customer’s airstream in your shop, or are storing a customer’s RV, this coverage comes in handy as a much-needed layer of protection.

Do I need liability for my recreational vehicle dealership?

Yes, most states have requirements that must be met in order to obtain a license to sell Recreational Vehicles. Some states require Dealer bonds as well.

What are the risks of running an RV dealership?

First and foremost, because your RV dealership has all or most of your inventory at a single property, there are many risks involved. For example, your inventory could be stolen, vandalized, or damaged by weather, all of which could result in lost revenue or worse if you don’t have coverage. Another example involves the handling of customers’ RVs, Motor Homes, or other toys. If you are working on an RV in the repair shop at your dealership and an employee damages an expensive part, your business could be held liable. In addition, your employees can take actions that could cost you. For instance, an employee could steal an RV or other property from the premises or use company credit cards for personal purchases. You should consider these risk factors when developing your insurance policy.

Do RV dealers need dealers’ open lot coverage?

Your business relies on the inventory you have, so protecting it is vital. Also known as dealers’ physical damage liability insurance, it helps protect your inventory from damages caused by named perils under your specific policy.

Do RV dealers need garage keepers insurance?

If your dealership takes your customers’ RV under your care, custody, and control, you need this coverage in the event that their ride is stolen or damaged.

Garage Liability isn’t enough we recommend something more.

While your business may be in a unique space, the insurance coverages you need to safeguard your business aren’t. For instance, workers’ compensation insurance offers coverage to your employees should they become injured while on the job. Commercial property insurance helps protect the buildings and assets on your property, making it an important coverage to have. And finally, cyber liability insurance is a must if you store customer information on your computer systems, which could turn into a lawsuit if that data is stolen.

RV Dealership Insurance Premier Program, Who Qualifies?

Program Highlights and Options

Don’t forget to cover your customer’s RVs when they are in your care, custody, or control! Ask about Garagekeepers Insurance to better protect your business!

Choose Ellie Insurance Group for your Recreational Vehicle Liability Insurance

Don’t let recreational vehicle dealership insurance get complicated use our seasoned garage agents who are trained and licensed to make sure your shop or dealership is properly covered. Work with our experienced team to make sure that you get the protection you need at a great rate. Ready to get the best garage insurance quote with our premier RV program? Call us for a quote at 813-582-5215.