Motor Home Dealer Insurance

Motor Home Dealer Insurance 101

How to protect your livelihood with business insurance

Motor home dealer insurance

If you’re a motor home dealer, an adverse event can occur at any time. Motor home dealer insurance can help you protect your assets and keep your doors open for the long term.

A local independent insurance agent can help you find customized business insurance designed for businesses like yours.

Why Do You Need Motor Home Dealer Insurance?

Motor home dealers—like all motor vehicle dealers—must insure their businesses to address typical business risks (fire, weather, slips and falls, etc.) as well as all of the risks associated with their product—motor homes.

The inventory on your lot is highly valuable and vulnerable to the elements. In addition, your product will be frequently driven on public roads by your customers, as well as tested, touched, and manipulated in any number of ways.

What’s more, you probably have vehicles that belong to others on your business property, for purposes of repair or storage. All of these concerns must be addressed with motor home insurance.


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What Does Motor Home Dealer Insurance Cover?

The insurance industry has developed a special set of policies or packaged policies that are designed for motor home dealers. These policies cover your inventory, work on motor homes in your possession, negligent or faulty work on vehicles, liability for vehicles out on the road, and much more.

Here are are some basic business insurance policies that you will likely need.

  • Commercial general liability (CGL) insurance: Provides broad coverage for bodily injury and property damage caused by you or your employees. CGL insurance also covers claims related to slander, libel, and advertising liability.
  • Commercial property insurance: Provides protection for your business property, including building(s) and contents.
  • Business interruption coverage: Provides coverage for lost income and expenses if you must temporarily cease operations after a catastrophic event. It pays employee salaries, rent, and other expenses while you are closed to make repairs.

An independent insurance agent can help you customize these policies for your unique needs.

What Other Insurance Policies Do Motor Home Dealers Need?

After you’ve covered your basic risks, you’ll need some specialized policies and policy endorsements to ensure that you have no gaps in your motor home dealer insurance coverage:

  • Employee dishonesty coverage: Covers employee theft and crime
  • Auto dealer physical damage coverage/dealer’s open lot coverage: Covers your inventory, or motor homes held for sale
  • False pretenses coverage: Protects your business if you are tricked into releasing a motor home to someone under false pretenses
  • Professional liability/errors and omissions insurance: This covers odometer, truth in lending, and title related claims
  • Garagekeepers liability coverage: Covers customers’ vehicles in your care, custody, and control (e.g., for repairs)
  • Inland marine coverage: This covers vehicles in transit
  • Workers’ compensation insurance: Protects employees who are injured on the job
  • Product liability coverage: This is for losses or injuries to a user, buyer, or bystander caused by a defect or malfunction of the product. In some instances, product liability insurance may also cover the manufacturer or seller of the product for defective design and “failure to warn.”

You can explore with your agent your need for these types of coverage, and any other policies that he or she recommends.

How Much Does Motor Home Dealer Insurance Cost?

The cost of motor home dealer insurance depends on the size of your business, the number of employees, the value of your commercial property (including buildings, inventory, and more), and several other factors that are unique to your business.

The types and amounts of coverage you need to adequately cover your risks will dictate the cost of your coverage.


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Benefits of an Independent Agent

An independent insurance agent who has experience working with motor home dealers and other similar businesses can help you decide the types and amounts of coverage that you need for your business. The choices you make will determine your cost of coverage.

Independent agents can work with numerous, reputable insurance companies who specialize in your type of business. Together you can review a variety of proposals and choose the best mix of coverage that meets your needs and budget, free of charge.

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Find and Compare Quotes for Motor Home Dealer Insurance

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs.

Your agent will work with you free of charge to get quotes from multiple insurance companies so you can make the best choice.

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