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glennts's avatar
glennts
Explorer
May 04, 2013

Commercial vs. Recreational RV insurance while gate guarding

While exploring alternative insurers for the RV I saw that some insurers made a commercial vs. recreational use distinction. If you are contracting out as a gate guard, full timing in your RV and you...
Fishinghat's avatar
Fishinghat
Explorer II
May 04, 2013
donn0128 wrote:
Commercial usually indicates for hire. As in you are towing new RV's from manufacturer to dealer. Or you are using your RV for profit. Which you are not. Are you? What your doing as a gate guard is selling your body for XXX dollars a day. Your RV is a place for you to sleep and eat, just like a permanent house would be.


I agree.

Your work involves you, not your coach, and as long as that is clearly established, then you don't need commercial use coverage.

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