When the use of your RV changes from personal use to being rented out to others, the insurance you need to carry also changes. Complications may arise when owners rent their recreational vehicles to other people. This includes renting out your RV for income and peer-to-peer sharing, which might be a barter or trade transaction without exchanging money.

Commercial Insurance Requirements

Turning the use of your RV into a business means you need to have a whole new category of insurance for those commercial activities. You want to talk with your agent at SWH Insurance Agency LLC in Fort Worth, TX, before you start this effort to avoid being underinsured.

Many RV insurance policies have exclusions for the commercial use of the RV, so you need to be careful about this problem. You want to have protection in place before you rent it to others.

Driving the RV

You also need to be careful and have commercial vehicle insurance to cover the people whom you allow to drive your RV. It takes more driving skills to operate an RV. Accidents may be caused by the RV’s height and breadth when a driver is not used to driving such a large vehicle.

Safety Checks

To help reduce any problems, you should perform a safety check prior to each time you rent out your RV. Have a checklist of items needed for proper maintenance and document the condition of everything on the checklist before it is rented to others.

Training and Instruction

To help your rental customers use the RV properly, it is a good idea to conduct training sessions before you send them on their way.  Make a video of the important items, and that helps show them what to do.

Reach out to us at SWH Insurance Agency LLC in Fort Worth, TX, for all your recreational insurance needs.