As an RV dealership, you play a vital role in helping families and individuals experience the joy of outdoor adventures. But with the sale and servicing of RVs comes risk. That’s why having the right insurance coverage is crucial to protect your dealership, your employees, and your customers.

What is RV Dealership Insurance?

RV dealership insurance is a specialized type of insurance that covers the unique risks associated with the RV industry. This coverage can protect your dealership from a variety of losses, including property damage, liability claims, and theft.

Why Do RV Dealerships Need Insurance?

Having insurance for your RV dealership is not only a smart business decision, but it’s also required by law in most states. Insurance can provide peace of mind, knowing that your dealership is protected against potential losses and legal claims.
RV dealerships face a number of unique risks, including:

Property Damage

RVs are large, valuable assets that are vulnerable to damage from fire, theft, and other hazards. Insurance can help cover the cost of repairs or replacement if one of your RVs is damaged or destroyed.

Liability Claims

As an RV dealership, you have a responsibility to keep your customers safe while they’re on your property. Liability insurance can help protect you against lawsuits if a customer is injured or their property is damaged while they’re at your dealership.

Theft

RVs can be expensive and highly desirable, making them a target for theft. Insurance can help cover the cost of replacement if one of your RVs is stolen.

What Does RV Dealership Insurance Cover?

RV dealership insurance can provide a range of coverage options to protect your dealership against a variety of risks. Some of the most common types of coverage include:

General Liability Insurance

General liability insurance provides protection against lawsuits arising from accidents that occur on your property. This coverage can help pay for legal expenses, settlements, and judgments if you’re sued for causing injury or property damage to a customer.

Property Insurance

Property insurance covers your dealership’s physical assets, including RVs, buildings, and equipment. This coverage can help pay for repairs or replacement if your property is damaged or destroyed by a covered event.

Inventory Insurance

Inventory insurance provides coverage for the RVs you have in your dealership, including those you own and those you have on consignment. This coverage can help pay for repairs or replacement if an RV is damaged or stolen.

Business Interruption Insurance

Business interruption insurance can provide financial support if your dealership is forced to close temporarily due to a covered event, such as a fire or natural disaster. This coverage can help cover your ongoing expenses, such as payroll and rent, while your dealership is closed.

How to Choose the Right RV Dealership Insurance

Choosing the right insurance coverage for your RV dealership requires careful consideration of your specific needs and risks. Some factors to consider when selecting your coverage include:

Location

The location of your dealership can impact your insurance needs. For example, if you’re located in an area prone to natural disasters, you may need additional coverage for events such as hurricanes or earthquakes.

Size of Your Dealership

The size of your dealership will impact the amount of coverage you need. A larger dealership with more assets, employees, and customers will need more comprehensive coverage than a smaller dealership.

Value of Your Inventory

The value of the RVs you have in your dealership will impact the amount of coverage you need for your inventory. Make sure to regularly review the value of your inventory to ensure you have adequate coverage.

Type of RVs You Sell

The type of RVs you sell can impact your insurance needs. For example, if you sell luxury RVs, you may need higher coverage limits to protect these more valuable assets.

Get a Quote for RV Dealership Insurance Today

Don’t leave your dealership exposed to risk. Protect your business, your employees, and your customers with RV dealership insurance. Contact us today to get a quote for coverage that meets your specific needs.
With the right coverage in place, you can focus on growing your business and helping your customers experience the joy of outdoor adventures. Trust us to help you find the coverage you need to keep your dealership protected.