RV DEALER INSURANCE

We have an all-in-one approach for RV dealer insurance that can provide all coverages under one policy. If you have gaps and exclusions in your current policy, we can cover those as well. Examples of coverage we can include are:

• 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.
• Auto liability: Covers the road testing of customer’s vehicles if the insured has repair operations.
• Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
• 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/RV is being operated under a scheduled dealer plate.
• Employment practices liability insurance (EPLI): Covers liabilities related to employment that aren’t on-the-job injuries. Some of the things it covers may include sexual harassment suits and wrongful termination suits.
• Endorsement option – Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
• Endorsement option – Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
• Equipment coverage: Coverage for equipment, including rentals, used on the job in case of malfunctions or theft.
• 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.
• Garage keepers legal liability (GKLL): Physical damage coverage for customer’s vehicles in the insured’s care, custody, and control. If the RV dealer provides a service/repair, then this would also cover the vehicles while at a covered location or while being “road tested” after the repair by a scheduled driver.
• Hired & non-owned auto (not available in all states): 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.
• Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
• Products liability: protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage.
• Property coverage: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft.
• Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
• Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
• True umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
• And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

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.

RVs and campers are generic terms but typically a camper can refer to a trailer that is towed by a truck. XINSURANCE provides solutions for camper dealership insurance as well, 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!

If you are new to the RV business and deciding whether or not to start your own RV dealership, then know that XINSURANCE is here for you with in-house teams that can provide flexible underwriting, risk management expertise, and extraordinary claims results. It’s typically required to have liability insurance so if you’re just starting out, we can help you get on your feet.

Insurance aside, it’s not a bad idea to start an RV dealership. The demand for RVs, partly due to the pandemic, has increased, and here are some reasons provided by Go RVing:

• Freedom to control the cleanliness of their environment
• Can avoid contact with others and still feel like they were vacationing
• Control own itinerary with no set schedule
• Bring everything you want from home
• Don’t have to leave pets at home or board them

The Wandering RV has some reassuring RV industry statistics as well:

• The RV industry has steadily grown to record highs over the last 12 years
• About 40 million people in the US go RV camping
• RV dealers manage roughly $26 billion in revenues each year
• Since 2013, the average annual growth rate in the RV industry has been 6.6%

Yes, starting an RV dealership business can be stressful and have lots of moving parts. Accidents and mistakes can happen and they can sometimes cost thousands of dollars. To avoid financial ruin and to help protect your business, make sure you have RV dealer insurance from XINSURANCE.

XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide true umbrella coverage.

There many reasons why you choose XINSURANCE over other insurance carriers but here are some highlights:

• We are your insurance partner. XINSURANCE will stick with you when others will not. We will stand by your side and fight for you when lawsuits and claims occur.
• Insurance coverage that RV dealers need. Customize your coverage with dealers open lot, garage keepers legal liability, and more, all under one policy.
• We can fill the gaps. We offer customized insurance solutions and can fill the gaps and exclusions if you have an existing policy. Don’t leave yourself exposed, let XINSURANCE protect you.
• We have decades of experience. We have helped thousands of people like you for decades, providing protection 24/7 in all 50 states.
• Extraordinary claims results. We’ll work together to handle the case expeditiously and reach a thoroughly investigated and fair outcome.