Commercial RV Insurance

Safeguard your business with commercial RV insurance

If you use your RV for business, you'll probably need special coverage. Commercial RV insurance protects your work and equipment against the unique risks that come with doing your job on the road. Explore the key differences between commercial RV insurance and personal coverage. Once you know what sets them apart, see how the right policy can keep you rolling.

What is commercial RV insurance?

Commercial RV insurance covers recreational vehicles that you use for work. It's different from personal RV policies because it protects your vehicle when it's part of your business operations. This type of commercial auto insurance typically has higher limits and more coverage options.

Progressive Commercial offers flexible policies at competitive rates. Start a quote online or talk to one of our expert agents to customize coverage that works for you.

Commercial vs. personal RV insurance

Commercial and personal RV insurance aren't the same, and it's important to understand how they differ when choosing your commercial policy. Distinctions include:

• Usage: Personal RV insurance covers things like vacation and recreation, while commercial RV insurance is designed for business-related activities.
• Eligibility: Businesses, sole proprietors, and LLCs that use RVs for work qualify for commercial coverage. Personal policies usually exclude business use.
• Coverage limits: Commercial policies typically offer higher limits because of increased exposure and risk.
• Employees and other drivers: Commercial RV insurance can cover employees and authorized drivers, while personal policies generally cover only the named insured and family members.

Who needs commercial RV insurance?

If your RV helps you run your business, commercial insurance is essential. Common professions that benefit from commercial RV insurance include:

• RV dealerships: If you operate an RV dealership, moving vehicles for sales and inventory is part of your daily business. Commercial RV insurance can protect these valuable vehicles during transit.
• Tour and charter companies: Transporting customers to events and travel destinations? This coverage can help pay for injuries to passengers or drivers and damage to your vehicles.
• Contractors: Plumbers, electricians, landscapers, and other trades sometimes use RVs to haul tools, materials, or crews. Commercial RV insurance keeps your vehicle and equipment protected.
• Traveling salespeople or consultants: If you use an RV to attend trade shows, visit clients, or work on the road, commercial coverage can protect your vehicle and attached equipment wherever you go.

Types of commercial RV insurance coverages

Commercial RV insurance offers core protections that support your work. Common commercial vehicle insurance coverages include:

Commercial vehicle liability

If you're responsible for an accident that harms someone or their property, liability insurance can help. Bodily injury coverage pays for medical care, while property damage helps pay to repair or replace vehicles and items like mailboxes, guardrails, and street signs.

Comprehensive

Comprehensive coverage protects you from things you can't control, like theft, vandalism, or other non-collision damage.

Collision

If your RV is in a crash or rolls over, collision coverage can pay to fix or replace it if it's damaged beyond repair.

Medical payments

Medical payments cover you and your passengers if you're injured, regardless of who's at fault. This can include hospital bills, ambulance fees, and even rehabilitation costs.

Additional commercial RV coverages

Optional coverages for businesses that use RVs

• Full-time liability: Covers professionals who live in their RVs full time while running a business.
• Vacation and campsite liability: Protects you when your RV is parked at a campsite or event and used as a temporary residence.
• Personal property replacement cost: Covers business equipment, inventory, and personal items inside your RV.
• Total loss replacement: Pays to replace your RV with a new model of equal or better value if it's totaled in an accident.
• Roadside assistance: Provides towing, winching, battery jump-starts, locksmith services, and flat tire change.
• Hired auto liability: Protects you when driving a rented, leased, or borrowed vehicle.
• Non-owned liability: Covers you if an employee uses their personal vehicle for business purposes.

How much does commercial RV insurance cost?

Several factors can affect how much you'll pay for commercial RV insurance, such as:

• Vehicle type: A Class A motorhome typically costs more to insure than a Class B camper van or Class C RV.
• Location: Where you operate can impact your rate.
• Travel: Your mileage and normal travel radius matter.
• Insurance limits and deductibles: When you buy a policy, you'll pick your insurance limits and deductible. Higher limits and lower deductibles usually mean higher premiums. But they also provide more protection and lower out-of-pocket costs after an accident. Be sure to select limits and deductibles that your business can afford if something goes wrong.
• Coverages: The insurance you choose makes a difference in your overall price. For example, a policy that only has liability coverage will likely pay less than one with liability and collision insurance.
• Driving history: Clean records for all listed drivers can help reduce your costs.

Why choose Progressive Commercial for your commercial RV insurance

We're America's #1 commercial auto insurer,^* protecting more than 2 million business vehicles nationwide. Our experts will work with you to choose commercial RV insurance that fits your unique needs.

Frequently asked questions about commercial RV insurance

Get complete vehicle protection with Progressive Commercial

Commercial RV insurance protects your business and your vehicles. Get a quote from Progressive Commercial to see how this extra coverage can work for you. Call us or start a customized quote online today.