RV Dealership Insurance

Protecting Your RV Business: Expert RV Dealer Insurance Solutions from ONA

From safeguarding high-value RVs sitting on your lot to managing test drives, warranties, and repair operations, your RV dealership faces complex risks that can quickly put your success at stake.

As Ottawa’s trusted insurance experts, Oegema, Nicholson & Associates specializes in RV dealer insurance that covers every angle, from theft and test-drive accidents to garage liabilities.

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Insurance Services

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With access to a National Specialized Insurance Program, our experienced brokers compare and customize policies that truly fit your operation, ensuring you get the right protection without paying for what you don’t need.

You focus on selling the dream of the open road and we’ll make sure your business stays protected every mile of the way.

RV Dealership Insurance

Understanding RV Dealership Insurance in Canada

The RV industry in Canada is thriving. From family-friendly travel trailers to luxury motorhomes, recreational vehicles are in high demand. Yet with opportunity comes risk, and without proper coverage, one incident could set your business back significantly.

RV dealership insurance, or commercial RV insurance, are essential for protecting your financial stability in this high-stakes market. These policies safeguard against common industry threats, including theft, property damage, liability claims, and operational interruptions.

As a leading independent broker, ONA is proud to offer unbiased advice and custom-fit commercial RV rental insurance solutions. We take time to understand your business model, whether you sell, service, or rent RVs, and build a plan that fits your needs and budget.

Explore our broader Commercial Insurance Services to see how ONA supports small and medium-sized businesses across Ontario and Quebec.

Key Risks For RV Dealerships and Recreational Dealer Services

Your dealership’s exposure goes far beyond the showroom. ONA’s team identifies and addresses the specific risks that recreational vehicle dealers face every day:

1. Theft of High-Value Inventory (Dealer’s Physical Damage)

RVs are high-ticket items, making them targets for theft or vandalism on open lots. Commercial RV insurance with Dealer’s Physical Damage coverage ensures your stock is protected, helping you recover quickly from unexpected losses.

2. Test-Drive Accidents

Allowing customers to test drive RVs is great for sales, but it carries liability risks. If a test drive leads to an accident or injury, RV dealership insurance can help protect your business from costly claims and repair bills.

3. Service Garage Liability

Many dealerships operate full-service garages for repairs, inspections, or installations. These areas pose risks like employee injuries or damage to customer vehicles. RV dealer insurance includes Garage Keepers Liability, covering these potential incidents.

4. Additional Risks

Modern RV dealerships face a range of evolving threats, including:

Weather-related damage to outdoor inventory due to Canada’s variable weather.
Slip-and-fall accidents in showrooms, lots, or service areas leading to liability claims.

ONA helps ensure you’re covered from every angle, giving you peace of mind to focus on your customers and growth.

Tailored Commercial RV Insurance Solutions from ONA

No two dealerships are alike, and neither should their insurance be. As an independent broker, ONA partners with trusted Canadian insurers to craft tailored RV dealership insurance and small business policies that align with your specific operations.

Whether you run a small local lot or manage multiple recreational vehicle sales and rental locations, our brokers can design a plan that evolves with your business.

Key Coverage Highlights:

Dealer’s Physical Damage

Protects RVs and inventory from theft, vandalism, and weather damage.

Liability Coverage

For test drives and garage operations.

Business Interruption Insurance

Helps you recover lost income during downtime.

Commercial RV Rental Insurance

For dealerships offering short- or long-term rentals.

Scalable Policies

Perfect for both growing dealerships and established recreational dealer services.

With ONA, you get flexible, comprehensive protection that keeps your business running smoothly, no matter what challenges arise.

Why Choose ONA for Your RV Dealership Insurance

When it comes to protecting your dealership, experience matters. As one of the largest independent brokerages in Eastern Ontario and Western Quebec, ONA brings over 50 years of local expertise, trusted relationships, and community-driven service to every client we serve.

Our Strengths:

We’re independent, meaning we work for you, not an insurance company.
We’re local, with deep knowledge of regional risks and regulations.
We’re experienced, helping hundreds of businesses secure coverage with integrity and care.
We ensure your dealership stays compliant with provincial and municipal requirements.
We provide hands-on support throughout the claims process, helping you resolve issues quickly and efficiently.

Our Mission:
At ONA, our mission is to make insurance simple and stress-free. We help clients protect what matters most with personalized guidance, unbiased advice, and trusted, long-term relationships.

For over five decades, ONA has been trusted by countless clients for innovative, reliable commercial RV insurance solutions.

The Local Advantage:
Unlike large call-centres, our brokers offer a hands-on approach. You’ll work directly with a knowledgeable local broker who understands your industry and is available whenever you need advice or support.

From initial consultation to claims assistance, we’re by your side every step of the way.

Secure Your RV Business with ONA Today

Your RV dealership deserves more than just a generic insurance policy. It deserves protection built around your unique risks and ambitions. ONA’s team of experts specializes in commercial RV insurance and recreational dealer services, providing confidence and stability in a constantly changing market.

Don’t wait until it’s too late. Take proactive steps to protect your business, staff, and customers.

Speak with a Broker Today to get your free quote and learn how Oegema, Nicholson & Associates can customize your RV dealership insurance plan.

Your business fuels Canada’s love for the open road, let ONA keep it protected every mile of the way.

Frequently Asked Questions

What is RV dealership insurance?

RV dealership insurance, also called commercial RV insurance, protects your business from risks such as theft, property damage, liability claims, and operational interruptions. It ensures your dealership stays financially secure in case of accidents or unexpected incidents.

Do I need insurance for my RV dealership in Canada?

Yes. Whether you sell, service, or rent RVs, insurance is essential. High-value inventory, test drives, and repair operations expose your business to risks that could be costly without proper coverage.

How much does RV dealership insurance cost in Canada?

Costs vary depending on factors like your inventory size, number of locations, coverage limits, and risk exposures. ONA brokers provide tailored quotes to ensure you get the right protection without paying for unnecessary coverage.

Can I get coverage for RV rentals as part of my dealership?

Absolutely. Commercial RV rental insurance protects your business when offering short- or long-term rentals, covering both the vehicles and associated liability risks.

What Our Clients Are Saying

Real stories from people who trust
Oegema, Nicholson & Associates Insurance

“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”

Jennifer Parks, Stittsville, Ontario

“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”

Charlene Brunet, Butler Group of Company

“ONA helps me with my personal insurance and my business insurance. They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!”

James Carriveau, President, Exact Interlock and Exact Properties

“It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of.”

Rhonda, Capital Dodge

“I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can’t begin to thank her enough.”