RV Dealer Insurance

Specialty insurance solutions tailored to your unique needs.
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Steering your RV dealership clear of risk with specialty liability insurance solutions.

We understand the unique risks RV dealers face, and that’s why we offer customized insurance solutions designed to cover your business in the areas it needs protection.

What is RV Dealer Insurance?

RV Dealer Insurance is a specialty insurance solution tailored to address the unique operational risks inherent to the RV dealership business. Recognizing the significant investment involved in maintaining an inventory of recreational vehicles and the various liabilities that come with selling, servicing, and storing them, investing in a robust insurance partnership becomes pivotal. As a dealership, your business is exposed to a spectrum of potential financial hazards—from customer incidents on the premises to the complexities of vehicle upkeep and safety standards.

Choosing to protect your business with XINSURANCE means opting for a safety net that is as comprehensive as it is customizable. We stand by RV dealers as they navigate the unpredictable terrain of their industry, providing the assurance that whatever challenges might arise, there is a reliable advocate at their side. Partner with us, and rest assured that you have chosen a seasoned ally who understands the importance of securing your business interests with a proactive and solid approach to risk management.

RV Dealer Insurance: Who We Can Help

  • RV Dealerships
  • Used RV Dealers
  • Auto Dealerships
  • RV Consignment Dealers
  • And More!
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RV Dealership Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Dealers Open Lot (DOL)

Covers physical damage to inventory held for sale. Covers named perils and collision only but we can add extreme weather coverage. This coverage like the GKLL extends to collision coverage while being driven if the vehicle is being operated under a scheduled dealer plate.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Garage Keepers Legal Liability (GKLL)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control.

Garage Keepers Direct Primary (GKDP)

Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control – without regard to being legally liable.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Drive Away Coverage

Also referred to as Drive Other Car (DOC) coverage, Drive Away is auto liability coverage for vehicles not owned by the insured and does not include collision. Physical damage, including collision, is provided under OTRPD (over-the-road physical damage).

Hired & Non-Owned Auto*

Covers expenses for third-party property damage and bodily injury when an accident occurs with a vehicle, used for business purposes, that isn’t owned by the company.

*Available in most states

Over The Road Physical Damage (OTRPD)

Physical damage to vehicles not owned by the insured that are being driven by a covered driver of the insured.

Physical Damage

Provides protection against damage to the insured vehicle(s). This coverage can include collision coverage, which pays for damages caused by collisions with other vehicles or objects.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Products Liability

Protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About RV Dealer Insurance

Why do RV dealers need insurance?

RV dealers need insurance to protect against liabilities such as customer injuries on dealership property, damage to inventory due to weather or accidents, theft, and other operational risks that could result in significant financial loss.

Does RV dealer insurance cover customer test drives?

While it may not be covered by other insurance companies, XINSURANCE’s RV dealer insurance solutions can protect the dealership from liability issues that may arise when customers are test-driving vehicles from the dealership inventory.

What's the difference between RV dealership insurance and regular business insurance?

RV dealership insurance is a specialized form of business insurance that includes coverages tailored to the risks unique to RV sales and service, such as inventory coverage and garage keepers liability, which wouldn’t typically be included in a standard business insurance policy.

If you already have an insurance policy for your RV dealership, we can fill the gaps and cover exclusions that may be leaving you exposed.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Does XINSURANCE offer Camper Dealership Insurance?

RVs and campers are generic terms, but typically, a camper refers to a trailer that is towed by a truck. XINSURANCE also provides solutions for camper dealership insurance, even for those who have been denied, canceled, or non-renewed by another insurance carrier.

We can help camper dealership owners and managers across the country and provide customized coverage solutions just like we can for RV dealerships. If you’ve had a claims history or if you’re struggling to even find camper dealership insurance, then look no further because we are here with a solution!

What are the risks of running an RV dealership?

RVs are an excellent way for travelers to explore the country at their own pace and to go on extended camping trips. In 2020, about 46 million Americans planned to go RVing in the next 12 months. Furthermore, “20% of US respondents are more interested in RVs as a recreational travel option in the aftermath of COVID-19 over car/tent, cruise, car/rental stay, air/rental stay.” These statistics should excite RV dealership owners and assure them that the RV rental business isn’t going away

However, like any business, there are risks that owners and managers need to be mindful of. RV dealerships have specific regulations and safety considerations in order to be compliant. Some of these include:

  • each vehicle that requires a Buyers Guide needs needs to it have it filled out and on display
  • gas cylinders should be properly stored and labeled
  • some states require an air permit
  • correct signage in the dealership
  • vehicles might need a Monroney label on display

You also have your typical risks as a dealership:

  • theft or vandalism of the RVs
  • collision damage to an RV
  • trade-in fraud
  • and more

You can only do so much in a given day to mitigate these risks. It is wise to carry liability insurance that can protect in the event of an incident, accident, or claim.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service