RV Dealer Insurance Coverage Checklist
The coverages a rv dealer business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for motorhome and towable RV dealers. Priorities reflect typical exposure; confirm against service, rentals, and lot size.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Garage Liability (incl. | Completed Ops) Covers injuries from units sold and serviced, including gas and electrical work. | Core | |
| Dealer's Physical Damage (Open Lot, incl. Hail) | Covers high-value inventory — check hail deductibles and per-unit limits. | Core | |
| Garagekeepers | Covers customer units in service or storage. | Core | |
| Rental Liability | Needed if the dealer rents RVs — often excluded from garage policies. | Situational | |
| Dealer E&O | Covers F&I, title, and disclosure errors. | Prevalent | |
| Workers' Compensation | Required in most states; roof work and large-vehicle handling drive injuries. | Core |
The coverage gap most often missed
The most commonly missed exposure for this class is completed work on propane and electrical systems. An RV is a vehicle and a home, and a gas leak or carbon monoxide event after delivery or service leads back to the dealer. Documented leak tests, dated alarm checks, and a recorded walk-through are the core defense. Large open lots also face hail — confirm hail deductibles and per-unit limits match the inventory.
Send us the checklist and we'll review your rv dealer coverage line by line, then market it across multiple carriers that compete for your account.
Related: RV Dealer Insurance · RV Dealer Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a rv dealer business need?
The core coverages for a rv dealer business are Garage Liability (incl., Dealer's Physical Damage (Open Lot, incl. Hail), Garagekeepers, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my rv dealer coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.