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Insurance for Recreational Vehicle Rentals

Insurance for Recreational Vehicle Rentals

Insurance for recreational vehicle rentals ensures that a fun vacation does not turn into a nightmare. For your clients who like to travel or those in the recreational vehicle rental business, this insurance is critical. Insurance for recreational vehicles covers damages, theft, vandalism, and public liability, depending on what coverage is in place.

Write More Business with Insurance for Recreational Vehicle Rentals

As an insurance producer looking to write more business, insurance for recreational vehicle rentals is certainly lucrative. Numbers in one article indicate recreational vehicle rentals have increased a whopping 650% this year! People are looking for a way to get out and about safely during COVID-19 pandemic. Recreational vehicle rentals fit the bill perfectly.

Of course, any kind of recreational vehicle can be expensive, whether it is a motorhome, ATV, jet ski, or another vehicle. Anyone who owns these recreational vehicles and is renting them out will want to protect that investment. And, because people use recreational vehicles for fun, they are at a higher risk of damage or other incidents that diminish their value. Those who want to rent recreational vehicles may find that insurance is hard to come by for that reason. Prime Insurance Company employs a skilled, experienced in-house team to provide flexible underwriting and innovative solutions. We look at all of the risks associated with a particular industry or activity. And we work to find coverage that suits those risks effectively and affordably. Even if your clients have been turned down in the past or have a negative history, we find solutions wherever we can.

Our risk management team documents every potential issue and ensures we have given guidelines and recommendations to mitigate the risk. We do not leave it up to guesswork or make assumptions, but instead, work hands-on to understand the nature of risk for each client. Whether it is visiting a site, inspecting equipment, looking through company history, or a combination of these actions and more, we dig deep.

It is this careful attention to risk and how to prevent it that allows us to offer insurance for specialty risks like recreational vehicle rentals. In turn, you can add to your existing markets and better serve your customers. Finally, your customers will reap the benefits, with the insurance they need, when they need it.

Why Recreational Vehicle Insurance Matters

Companies renting out recreational vehicles need to insure their property. While those renting recreational vehicles usually have their own insurance, not everything is covered by an individual’s policy. Typically, if a motorhome has more than four wheels, for instance, regular auto insurance will not cover the rental.

This is even more apparent with recreational vehicles like ATVs, snowmobiles, and jet skis. The average consumer auto insurance does not cover these vehicles, given that they are not usually operated on roads. If a vehicle is stolen, damaged, vandalized or otherwise returned in worse condition than it left, insurance ensures that your clients are not going out of pocket to fix or replace it.

Public liability insurance is also critical. If someone operating a rented recreational vehicle causes bodily injury or property damage, the recreational vehicle rental company will not want to be held responsible. Insurance ensures that damages inflicted by a third party will not destroy the rental company’s finances or reputation.

Insurance can also help companies deal with the effects of malfunctioning equipment. In this case from California, a family rented a motorhome only to discover it had an air conditioning issue leaving the RV too hot. The renters paid for a fix and ultimately sued, winning a $5300 judgment.

If a court case involves insurance for recreational vehicles, your clients can count on Prime Insurance Company and our in-house legal team. Just as we work quickly and effectively to manage risk, we work the same way to deal with fair claims. Our commitment is that fair claims get fair results.

If a client’s claim or insurance situation lands them in court, Prime Insurance Company has access to both legal professionals and industry experts. We will do all that we can to fight for the right results. We keep insurance producers and insureds in the loop with regular and up-to-date communication.


It is easy to learn more about our insurance for recreational vehicles or apply for coverage. Use our online application today, call our team at 800-257-5590, or email us at info@primeis.com. Visit us on Facebook, Twitter, YouTube, LinkedIn, and Instagram and check out our website to learn more about Prime Insurance Company at https://www.primeis.com/.


rick lindseyAuthored by Rick J. Lindsey, CEO, President, and Chairman of Prime Insurance Company

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. Prime Insurance also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are Prime Insurance can help.

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