Motorhome Sales and Service Insurance

Appetite and Target Classes

• Motorhomes
• Recreational Vehicles (RVs)
• Campers
• Travel trailers

Trade show attendance is acceptable up to three times per year (RV exhibits may exceed 300 miles). Service units can be scheduled — both fleet and non-fleet — and related retail operations on the insured’s premises are considered.

Primary Coverages Considered

• Garage Liability — Dealer and Service, with broadened coverage options
• Garagekeepers Legal Liability — limits available up to $15 million
• Dealers Open Lot — limits available up to $15 million
• Property — building, business personal property and business income

Optional Extensions

• Fire Legal Liability
• Personal & Advertising Injury
• False Pretense
• Errors & Omissions for dealers
• Identity Recovery

Related Operations on Premises

• Automobile parts or supplies sold over the counter (no installation)
• Miscellaneous goods — camping accessories, clothing, kitchen items, etc.
• Concessionaires — food & beverage/snack bars
• Mini-mart/grocery store facilities on site

Program Highlights and Advantages

This program gives agents access to an experienced transportation MGA and wholesale broker with deep appetite for auto and garage exposures. Limits for garagekeepers and open lot coverages are strong (up to $15M), and the program considers both admitted and non-admitted placements to maintain flexibility for complex or higher-limit accounts.

Underwriting Notes

• Preferred accounts: established motorhome/RV dealers and service centers with documented safety and inventory controls.
• Trade show activity is acceptable but should be detailed on submission (frequency, distance, and transport methods).
• Service schedules and fleet lists should be provided when requesting scheduled unit coverage.
• Prior claims, condition of open lots, and security for high-value inventory will influence terms and retentions.

Territories & Paper

Available in IL, IA, MI, MN and WI, with broader availability in most states through admitted and non-admitted options. Consult underwriters on specific state filings and admitted paper availability.

Why Place This Business with Transportation Risk Services

Transportation Risk Services is a specialized transportation MGA and wholesale broker (www.trsinsurance.com) focused on auto, garage, physical damage and related commercial transportation exposures. Agents benefit from TRS’s targeted underwriting, access to A-rated capacity, flexible admitted/non-admitted placement, and experience handling dealer and service operation risks nationwide.

Example Accounts That Fit

• An established RV dealer with a secured outdoor lot, active service department, and occasional out-of-state show attendance — needs garage liability, dealers open lot and garagekeepers limits.
• A regional mobile RV service fleet that wants scheduled physical damage and liability for multiple service units — fleet and non-fleet scheduling options are available.

Transportation Risk Services works directly with retail agents and brokers to structure submissions and place coverage through its program and broking facilities. Provide complete details on operations, inventory values, scheduled units and loss history for the quickest response.