RV Dealer Insurance

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Insurance for RV Dealers

It is important for RV dealers to have insurance, but it can be hard to find the best coverage. They have unique risks associated with the dealership business such as theft, vandalism, physical damage, and more. If you have a client looking for insurance coverage to protect them against the potential losses that could occur due to these unique risks, then you’ve come to the right place. Prime Insurance Company writes RV dealer insurance policies with customized coverage to provide the best liability protection for RV dealerships.

As an insurance producer, you can expand your book of business by partnering with Prime to offer our unique insurance solutions to RV dealerships in need of specialty liability insurance. We are a leading excess and surplus lines insurance company that has been providing customized insurance policies to RV dealers for over 40 years. Even if your client has been declined, canceled, or non-renewed by another insurance company, we can step in to help! Read on to learn more or you can get started by requesting a quote!

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients, including:

  • RV Dealers
  • Car Dealerships
  • Truck Dealerships
  • RV Rentals
  • Camper/Trailer Dealers
  • Camper/Trailer Rentals
  • And More!

Coverage Options

  • TRU Umbrella / Excess Liability
  • Commercial General Liability
  • Commercial Auto (available in most states)
  • Dealers Open Lot (DOL)
  • Garage Keepers Direct Primary (GKDP)
  • Garage Keepers Legal Liability (GKLL)
  • Hired & Non-Owned Auto
  • Auto Liability
  • Equipment Coverage
  • Premises Liability
  • Products Liability
  • Property Coverage
  • Special Events Liability
  • Alleged Assault & Battery Liability
  • Alleged Sexual Abuse & Molestation Liability
  • Active Shooter Liability
  • Communicable Disease Coverage
  • And More


What is RV Dealer Insurance?

RV dealer insurance can protect the dealership if a claim, lawsuit, accident, or incident occurs. It is a commercial policy that covers the dealer’s operations and protects them from liability and financial loss.

Many types of insurance coverage are available to RV dealerships, but not every insurance company is willing to provide such coverage. If your client has too many claims or even just starting the RV dealer business, we can step in to help. When others can’t or won’t provide coverage, we do our best to provide a solution.

It’s best to carry customized liability insurance to protect RV dealers from legal action taken by their clients or third parties. Liability insurance can help to cover the costs of legal defense and any settlements or judgments that may result from such a claim.

Why is RV Dealer Insurance Important?

Your client should want to ensure that their customers are safe and well-protected while using the vehicles in their fleet. However, there’s more than just the driver’s safety at stake–your clients also need to consider how to protect themselves from lawsuits and other types of liability.

You may be asking yourself why this is such a big deal when it comes to insurance policies for RV dealerships. After all, isn’t liability coverage included as part of most standard business policies? The answer is no: standard commercial liability or commercial auto insurance policies do not offer adequate protection for RV dealers! In fact, even if one of these RVs gets hit by another vehicle on the road during normal driving conditions (like a fender bender), it could still result in significant losses due to high repair costs associated with fixing custom or high-end parts used inside these vehicles’ engines or chassis structures!

Your clients might have a policy that they think provides the coverage they need. However, when a claim arises, they soon find out they aren’t covered. The truth is a lot of insurance companies have gaps and exclusions in their policies that will likely not cover all the risks associated with RV dealerships. However, Prime writes customized insurance policies based on the insured’s needs so they can operate their business with peace of mind.

The Unique Risks of an RV Dealership

Your client might know better than anyone the risks they face and by utilizing our partnership approach, we will discuss with you and your client those very same risks and provide risk management tips to help prevent accidents and incidents from occurring. The following are some common yet unique risks that RV dealerships face:

  • Theft or vandalism of RVs on display at the dealership
  • Weather-related perils damaging RVs or dealership building
  • Damage or destruction of the dealership building
  • Damage to other vehicles or property due to accidents involving your RVs on dealership property (e.g., if a test driver hits a parked car or RV)
  • And more

Get an RV Dealership Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your RV dealership insurance quote today by clicking the “Get a Quote!” button above.


  • Expand your book of business by offering Prime Insurance Company’s RV dealer insurance to your clients in need of liability insurance.
  • Our RV dealership insurance can protect your clients if a claim, lawsuit, incident, or accident occurs.
  • We can help RV dealers, including new businesses or ones with too many past claims. We can also help those who have been declined, canceled, or non-renewed by other insurance companies.
  • We offer customized coverage under one policy, including commercial general liability, commercial auto, dealers open lot, garage keepers legal liability, and more.
  • The National RV Dealers Association (RVDA) has helpful resources for your RV dealership clients


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. RV dealer insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Experts in the Vehicle Dealership Industry

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure RV dealerships all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for RV dealerships. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see www.ambest.com for latest ratings
**The most current Financial Stability Rating® must be verified by visiting www.demotech.com.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.