Liability | Inventory | Property | Dealer Bonds
Selling RVs, campers, or trailers isn’t the same as running a used car lot — the vehicles are larger, the values are higher, and the risks can be unique. You need coverage that understands both your inventory and your operation.
At Catanzaro Insurance, we specialize in helping RV and trailer dealerships in Ohio, Indiana, and Illinois protect their business with comprehensive, compliant, and lender-approved coverage packages.
✅ What’s Included in RV & Trailer Dealer Coverage
Garage Liability Insurance
Covers bodily injury or property damage caused by your dealership operations — including test drives, loading/unloading units, or customer visits.
Why it matters:
Most RV and trailer dealerships operate on larger lots or mixed-use spaces. A standard garage policy won’t fully protect you — you need one built for dealership operations.
Dealer Open Lot (DOL) / Inventory Coverage
Protects your RVs, trailers, and campers from:
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Hail, wind, or storm damage
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Theft, vandalism, or fire
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Accidental damage during demos or delivery
Add False Pretense Coverage for extra protection against fraudulent buyers or title scams.
Garagekeepers Legal Liability
If you offer service, detailing, or warranty work, this coverage protects customer vehicles in your care against physical damage.
Property & Business Income
Covers your building, signage, furniture, tools, and parts inventory against loss from fire, wind, or theft — and replaces lost income while you recover.
Dealer Bond (Surety Bond)
Required by your state to maintain your dealer license.
RV and trailer bonds typically cost around $250–$500 per year, depending on credit.
Optional Add-Ons
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Umbrella Liability: Extends protection beyond your standard limits.
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Cyber Liability: Protects your dealership management system (DMS) and customer payment data.
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Pollution Liability: Recommended if you store fuel or operate a service bay.
🏁 Why Dealers Choose Catanzaro Insurance
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✅ Industry Expertise: We understand the unique risks of RV and trailer inventory.
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⚡ Fast Turnaround: Get quotes and certificates quickly — ideal for new licenses or lender compliance.
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💬 Personalized Service: Real communication, not call centers.
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📍 Regional Focus: Based in Ohio, licensed across Indiana and Illinois.
💡 Real-World Example
A windstorm damages several trailers on your lot.
Dealer Open Lot Coverage pays for the loss so you can repair or replace inventory quickly — without missing a sales weekend.
📞 Get an RV & Trailer Dealer Insurance Quote
Protect your business, inventory, and reputation with coverage designed specifically for RV and trailer dealers.
📞 Call 614-489-8383 (Press 1 for Anthony)
📧 Email info@catanzaroinsurance.com
Or complete the short form below for your quote.
We’ll review your coverage needs, identify gaps, and deliver a fast, floor plan–ready insurance proposal.
👉 Learn more about dealership coverage here.