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Post Info TOPIC: Vehicle Insurance for full timing AND running business from RV

RV-Dreams Community Member

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Posts: 4
Vehicle Insurance for full timing AND running business from RV

We are currently moving our 'address' from Indiana to Florida.

In the process we acquired nationwide coverage on health insurance through the market place. So that works.

But we also discovered Florida vehicle insurance rates are significantly higher than Indiana and that many companies have withdrawn from Florida due to an inability make a profit in the state.


We have lived in RV full time for a couple of years.  We run a couple of small businesses.


We just discovered that it is an issue to be a full timer with a small business within our 5th wheel or utilizing our truck for in any way. This includes something as benign as book keeping. Progressive forbids any business being conducted from the RV or truck even if it is not advertised or no clients visit the RV. 


So, have you all checked the small print on your policies? Do your home businesses nullify your coverage?


Has someone revealed their business to insurer and know absolutely it is not a problem to have a business in their RV?


We are looking for an insurance company in Florida that will cover our 5th wheel/truck and home businesses that we support ourselves with. Ideas? 


Please do not respond with random insurance companies...I can find those. 

The question is an insurance company that you know 100% covers your for full time AND running a business from your RV/truck?


Randy & Kathi Cummings

Indianapolis is our base

Living full time in a 2012 Redwood 36RL

Creating income and adventures from the road

Future wide open

RV-Dreams Family Member

Status: Offline
Posts: 1337

I'm no expert-
Sounds like you need a business vehicle policy as well as a theft/liability policy to protect from theft of business related items or if a client gets hurt..... you'll be covered but it's going to be expensive.

We we sold on the road I didn't even consider that my RV/truck insurance would differentiate between business and pleasure use.

We did carry a one million dollar liability policy in case a customer was hurt by something related to our business operation.

Guess I should have read the fine print....luckily nothing happened during the 5 years we sold on the road.


"Small House, Big Yard "

"May the FOREST be with you"
Alfa See-Ya 5'er and 2007 Kodiak C4500 Monroe

RV-Dreams Family Member

Status: Offline
Posts: 1756

We already had separate business insurance for Dale's business that we maintained when we went on the road. Worked with Miller's Insurance company to make sure our RV was covered and then had to have a special waiver on the business insurance stating that we were running the business out of the RV. It took a little extra effort / communication but wasn't a big deal when all was said and done and since then everything has been renewed without a problem.


FT - July 2013


2010 38TKSB3 DRV Mobile Suites

2012 Ford F450


Dale and Ruth Travelling with Tazzy Kat!







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