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RV Dealership Insurance

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Spotlight on: Insurance for RV Dealers

Do you know what insurance your RV dealership needs? Do you know how to protect your business from the liabilities associated with selling, renting and servicing RVs?

RV dealers face unique risks, and RV dealership insurance is tailored to protect businesses in the RV industry from a variety of liabilities. RV insurance policies can offer comprehensive coverage for events like accidents, theft, property damage and legal claims.

Thorough insurance coverage becomes a necessity when you’re involved in selling motorhomes, renting out travel trailers or servicing RVs. It acts as a safeguard for your investments, helps you adhere to regulations and promotes smooth business operations.

Higginbotham offers tailored insurance plans designed to meet the distinctive needs of RV dealerships, RV rental companies, camper or trailer dealers and more, providing industry-specific guidance and assistance with navigating claims and mitigating risks.

Why Higginbotham?

Because we’re more than RV dealership insurance professionals.

Higginbotham provides assistance to RV dealerships in securing insurance, handling claims and managing perils through personalized insurance and risk management solutions. By offering specialty RV coverage options and finance and insurance (F&I) services, our team works to protect your dealership against potential financial losses and liabilities.

With Higginbotham in your passenger seat, you can focus on your business operations and let us help protect it.

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Finance & Insurance (F&I)

For RV dealerships, F&I services form the backbone of successful business operations.

Finance & Insurance encompasses innovative products, profit participation programs and comprehensive training designed to optimize dealership profitability.

Higginbotham aids RV dealerships in boosting their revenue and offering additional value to customers through innovative F&I solutions. These include captives, reinsurance programs, advanced portfolio investments and other exclusive programs designed to support RV dealerships.

Working with Higginbotham gives your dealership access to these modern solutions and professional advice for managing risks and maximizing investment returns.

Ready to steer your dealership toward safety?

With a customer-focused approach and a commitment to understanding your priorities, Higginbotham provides year-round support and helps you turn risk into reward and challenges into opportunities.

Let’s Talk Request a Quote

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Risk Mitigation for Dealerships

Hear from Richard Goss as he shares how Higginbotham can help safeguard your business’s growth through our risk mitigation and insurance solutions. Whether you own or operate an auto, RV or power sports dealership, our team can help to revolutionize your insurance strategy.

Key Components of an RV Dealership Insurance Program

A commercial RV insurance program typically consists of several components, with each addressing specific risks and liabilities associated with operating an RV dealership or RV rental business. These commercial policy coverages include:

Garagekeepers Liability Insurance

Garagekeepers liability insurance is a core part of an RV dealership insurance program due to its role in shielding dealerships from damage to vehicles under their care. For example, if customers rent an RV from your business and leave their personal vehicle on your property, this form of coverage can help to protect you from losses should something happen to their car.

Dealers Open Lot Insurance

Dealers open lot insurance protects your dealership from physical damage to vehicles held for sale or rental on your property. From weather-related incidents to vandalism and theft, dealers open lot insurance provides financial protection for your inventory, helping you maintain the value of your assets and the success of your business.

Workers’ Compensation Insurance

For any business, including RV dealerships, workers’ compensation insurance is vital. This coverage helps cover costs incurred due to employee injuries on the job, such as medical bills and lost wages. By providing workers’ compensation, your dealership is not only protecting its employees, but it is also safeguarding itself from potential legal claims and financial losses resulting from workplace accidents.

Employment Practices Liability Insurance

Employment practices liability insurance, which shields businesses from claims of wrongful termination, discrimination and harassment, is crucial. In today’s litigious society, having this coverage in place is critical to safeguard your dealership from the financial repercussions of legal disputes and to maintain a safe and fair working environment for your employees.

Commercial Property Insurance

Commercial property insurance is a significant part of a commercial RV rental insurance program. This coverage helps your business recover from unexpected events, such as fires, storms or theft, allowing you to focus on running your dealership and serving your customers.

Cyber Liability Insurance

As we navigate the digital age, the importance of cyber liability insurance for RV dealerships continues to grow. This insurance protects your business from financial losses resulting from data breaches and cyberattacks, helping protect sensitive customer and employee information from the growing threat of cybercrime.

General and Umbrella Liability

General and umbrella liability insurance offers two more layers of coverage. Commercial general liability (CGL) insurance provides fairly broad coverage, including financial losses that result from claims of bodily injury, property damage, libel or advertising injury. Umbrella liability insurance, also known as excess liability coverage, offers additional protection by covering losses that exceed your other policy limits.

Business Interruption Insurance

Business interruption insurance can compensate for lost income during periods of inoperability due to covered perils. This coverage offers peace of mind with the knowledge that, in the case of an unexpected event, your dealership can focus on rebuilding and resuming operations as quickly as possible without serious financial worries.

Risk Management and Loss Control for RV Dealers

For RV rental dealers, implementing risk management and loss control strategies is vital to curtail possible losses and create business success. By identifying potential risks, implementing safety programs and utilizing loss control strategies, RV dealers can protect their investments and maintain a safe and secure business environment.

RV dealerships face many risks, ranging from theft and accidents to property damage and legal claims. These risks can result in significant financial losses and damage to the dealership’s reputation, making it crucial for dealerships to have comprehensive insurance coverage and a solid risk management strategy in place.

Higginbotham’s risk management specialists can help implement risk-mitigating strategies for your RV rental business, providing the guidance and support you need to protect your RV rentals and dealership.

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What happens when your business insurance broker is your partner?

Choosing Higginbotham as your RV dealership insurance partner gives you professional guidance, customized insurance solutions and extensive risk management services for the protection and growth of your business.

Our team of RV industry insurance specialists has been providing solutions to dealerships for over 40 years; so, you know you’re in capable hands.

Connect with our team and learn more about how Higginbotham can safeguard your RV dealership and contribute to its success.

Talk to a RV Dealership Insurance Specialist Today