RV transport can be a large undertaking, requiring a special skill-set. Transport companies and manufacturers count on the services of licensed and experienced drivers to deliver campers, motorhomes and other types of recreational vehicles to RV dealers or to designated drop-off locations.
While most transport companies offer proper insurance coverage and protection for their drivers, owner-operators and independent contractors need to purchase comprehensive Commercial Vehicle Insurance coverage, with adequate liability limits, to cover property damage and physical injury claims, that may result from motor accidents, collisions and other roadside incidents.
What is RV/Camper Driver & Delivery?
This coverage bundle supports businesses and drivers who move recreational vehicles—ranging from small campers to large motorhomes—between manufacturers, dealers, rental fleets and customer drop-off locations. It combines commercial auto exposures with cargo protection and liability options tailored for RV transport operations.
Who needs it
Typical buyers include transport companies, owner-operators, independent contractors, RV dealers and manufacturers that rely on third-party delivery. Clubs or organizations that arrange vehicle moves for events or demonstrations may also seek elements of this coverage.
What it typically covers
Common components include:
- Motor truck cargo insurance to protect the RV while in transit — see the detailed program at RV Haulers Motor Truck Cargo Insurance.
- Commercial truck physical damage for collision and comprehensive losses to vehicles.
- Liability protections for third‑party bodily injury and property damage, including general liability and transported cargo liability such as programs described for Franchised RV Dealers Transported Cargo Liability.
- Non-trucking liability for owner-operators during non-hire periods and workers’ compensation for employee injuries.
Common exclusions or limitations
Policies often exclude unreported drivers, unauthorized route deviations, wear-and-tear or pre-existing damage. Specialized equipment coverage or high-value accessory protection may require endorsements. Underwriting factors and stated exclusions vary by carrier, so review policy language carefully.
Factors that influence cost
Premiums reflect vehicle values, cargo limits, driving records, distance and route risk, driver experience, safety programs and prior claims. Risk management practices—such as secure tie-downs, route planning and driver training—can reduce exposure and underwriter pricing.
Proof of insurance & compliance
Transporters commonly carry certificates of insurance and piled limits to satisfy dealers and manufacturers. Some customers require specific endorsements or naming them as additional insureds. For broader context on operator coverage options, review Recreational Vehicle (RV) Insurance.
How to get a quote
Gather vehicle details, driver lists, average trip lengths, cargo values and any safety procedures before requesting pricing. To discuss coverage needs and available options, talk to your agent who can match limits and endorsements to your operation.
Risk scenario: a loaded transport trailer is involved in a collision causing damage to multiple units—motor truck cargo and physical damage coverages address those losses, while liability is used for third‑party injuries or property damage.
Frequently Asked Questions
Do I need separate cargo insurance for each RV I transport?
Most carriers allow a single cargo policy with per-unit or blanket limits; high‑value units may need individual declarations or higher limits.
Can owner-operators get non-trucking liability if they drive the truck for personal use?
Yes — non-trucking liability (bobtail) is available for owner-operators but coverage terms and eligibility depend on the insurer and whether the vehicle is actively under dispatch.
Will regular commercial auto insurance cover RV accessories and appliances?
Not always. Standard physical damage may exclude aftermarket accessories or interior contents unless you add specific endorsements for equipment coverage.
Still have questions? Talk to a local insurance expert.