RV Dealer Insurance in Colorado

Operating as an RV dealer in Colorado comes with its own unique set of risks and challenges. These include potential liability claims, equipment damage, and other unexpected expenses. 

As such, you will need to invest in an RV dealer insurance policy. This type of coverage is designed specifically for the unique needs of those operating in the recreational vehicle industry. Depending on your business model, you may benefit from investing in coverages such as commercial general liability insurance, property damage coverage, equipment breakdown coverage, and business income insurance.

At the 3R Insurance Agency, we understand the unique risks and challenges of operating an RV dealership in Colorado. That is why we link our clients with the best commercial coverage packages to protect their business. 

Contact us today to learn more about how we can help you find the right RV dealer insurance package for your Colorado business. We look forward to helping you secure the coverage you need to keep your business protected.

A commercial general liability policy, also known as CGL insurance, will protect your Colorado RV dealership from financial liability should a customer, vendor, or other third party suffer an injury while on your property. CGL policies provide coverage for any resulting medical treatment costs, legal fees, and other related expenses. 

Instances in which this type of coverage could be helpful include a customer who slips and falls on your dealership premises, or an employee who is injured while performing their duties. Other potential scenarios could include a customer who is injured during a test drive or while inspecting an RV. CGL coverage also covers any property damage that may occur due to the negligence of your staff or as the result of faulty equipment. 

By investing in Colorado RV dealer commercial general liability insurance, you can rest assured that your business will remain financially secure against most claims or lawsuits related to customer injury and property damage.

In addition to commercial general liability coverage, Colorado RV dealers should also invest in property damage coverage. This type of insurance helps protect your business from financial damages caused by vandalism, theft, fire, windstorms, earthquakes, and other natural disasters. 

Property damage coverage can also provide compensation for any losses that may occur if a customer or third party damages your RV dealership’s building or its contents. This type of insurance provides protection from potential financial losses due to unexpected events like floods and severe weather conditions. 



Colorado commercial property insurance can be customized to fit the specific needs of your RV dealership. For example, you can choose to insure the contents of your dealership, such as inventory or furniture, against theft and other risks. You can also choose an insurance policy that covers the cost of repairing any damaged property in case of a natural disaster.

Given the substantial investment embodied in your inventory, protecting it from unfortunate incidents such as theft, vandalism, accidents, or natural disasters is crucial for your business's financial health.



Open Lot coverage typically includes both physical damage and collision coverage for the vehicles in your inventory. It can cover the cost of repairing or replacing your inventory vehicles if they are damaged, stolen, or destroyed. The coverage limits and deductibles for Dealer's Open Lot Coverage can vary significantly, so it's important to choose a policy that adequately covers your RV dealership's specific risks and needs.

Garage Liability Insurance is an essential insurance policy for RV dealerships in Colorado. It provides coverage for liability arising from garage business operations. Garage Liability Insurance primarily covers liability for the dealership in case of property damage or bodily injury that happens in your garage business. For instance, if a customer slips and falls while on your premises, or if a vehicle is damaged during a test drive, a Garage Liability Insurance policy can cover the legal costs and any potential settlements.



Additionally, this type of insurance can extend to cover operations including parking vehicles and moving customers' and company vehicles on public roads. It can also include coverage for products and completed operations liability related to the vehicles sold by the dealership.

Picture this: a fire breaks out in your RV dealership and halts operations for an entire week. How would you pay your employees or the vendors you depend on?

This is where Business Interruption Insurance comes into play. This type of policy will provide financial protection in case of business disruption due to unforeseen events such as natural disasters, fires, or other types of emergencies. It will cover the cost of lost revenue, wages for employees, and essential bills that need to be paid while operations are suspended. 



Not only will Business Interruption Insurance help you in times of need, but it can also give you the peace of mind that your RV dealership is secure against unforeseen events.

If your Colorado RV dealership offers vehicle delivery services, you definitely need Commercial Auto Insurance in place. This type of policy will provide financial protection in case of a vehicular accident involving your employees while on the job. It will cover medical expenses for both the employee and third-party involved, as well as any costs associated with property damage. 

The minimum liability coverages that are typically required in Colorado are: 

• $25,000 per person for bodily injury 
• $50,000 per accident for bodily injury 
• $15,000 per accident for property damage. 

Beyond these fundamental coverages, you can also get additional coverage for motor vehicles you and your team use in the course of business operations. Additional options include collision coverage, comprehensive coverage, and rental reimbursement (for employees who need to rent a vehicle while theirs is being repaired).

In the day-to-day operations of your Colorado RV dealership, you rely heavily on your equipment. From the vehicle lifts that help you perform routine maintenance checks to the computer systems that manage your inventory, it's safe to say that your equipment is the backbone of your business operations. But what happens when that equipment breaks down? That's where Equipment Breakdown Insurance comes into play. This type of policy provides coverage for the sudden and accidental breakdown of your business's essential equipment, helping to mitigate the financial impact and speed up the recovery process. 



It's important to note that Equipment Breakdown Insurance often covers more than just the physical repair or replacement of the equipment itself. It can also cover other consequential losses associated with equipment breakdown, such as business interruption, spoilage of stock (for example, if a refrigerator fails at a food concession stand), and extra expenses to minimize the period of business interruption. I

Compare Colorado RV Dealer Insurance Quotes

Don't let your business venture be susceptible to unforeseen risks. It's time to shield your Colorado RV dealership with comprehensive insurance coverage. Whether it's for EPLI, Cyber Liability, or other business-specific insurance, reach out to the experts at 3R Insurance today. Our team is ready to help you compare quotes and find the right policies tailored to your needs. Protect your dealership, your assets, and your peace of mind. Act now!