Forget about foreclosures and the like, even a consignment rider isn't going to cover such an event should it occur. What can occur, and needs to be covered is things like theft, fire and collision damages. PPL (where I admittedly had a poor experience) is in a commercial and industrial area, under a major interstate exchange making it a good location for nefarious actors. Also, the rigs are packed tightly together, with many rigs nearly inaccessible unless it or a neighboring rig is moved. This would mean that a fire would spread rapidly to multiple rigs. It also means the odds of lot damage are great. When the rigs are 6 inches apart and 40 feet long, the margin of error for someone driving a rig they are unfamiliar with is tiny.
The rigs are left unlocked and available for every shopper and lookie loo to walk thru. Shoppers are not escorted by salespeople (you know, no pressure is a big thing). But no pressure also means no security We had most all the knobs and several of the light bulbs in our consigned rig (45 foot pusher) taken as souvenirs. It is easy to imagine that had there been an expensive item easily removed, it would have been gone as well. It is these type of incidents you are insuring against, not the dealer going bankrupt and your rig being sold to pay off creditors.