Running a Business in an RV: Types of Insurance Required

Posted on by AgentInsure

Running a business in an RV is a fantastic way to enjoy freedom and flexibility while on the road. However, securing the right type of insurance is essential to avoid unexpected out-of-pocket expenses that can quickly add up. If you’re located in Chester, NJ, The Insurance Outfit can help you determine which policies are best suited for you and your RV-based business.

RV Insurance (Full-Time or Commercial)

If you are using your RV as both your full-time residence and business base, standard RV insurance may not be sufficient. You may need:

  • Full-Time RV Insurance: Designed for those living in their RV year-round.
  • Commercial RV Insurance: Required if your RV is primarily used for business purposes.

General Liability Insurance

General liability insurance is crucial for any RV-based business. It provides protection in situations such as:

  • A customer is injured in or near your RV.
  • You accidentally damage someone else’s property while operating your RV.
  • A third party files a lawsuit against your business.

Commercial Auto Insurance

If your RV is used for transporting equipment or inventory, traveling to job sites, or serving customers directly (e.g., food service, mobile repair, grooming), you will need commercial auto insurance for your RV.

Business Personal Property Insurance

Business personal property insurance covers items inside your RV that are essential for your operations, such as:

  • Tools and equipment used for your business.
  • Inventory or merchandise stored in your RV.
  • Computers, POS systems, and cameras are used for business operations.

Operating a business out of your RV requires appropriate protection for you and your venture. If you’re located in Chester, NJ, The Insurance Outfit is here to help. Contact us today for more information, a quote, and a consultation to get started.