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itrina1's avatar
itrina1
Explorer
Jun 25, 2019

Insurance- Needing Commercial if Used as Office?

Hey everyone! New to the RV life. Have not bought one yet but getting ready to. My question is about insurance. Does anyone have commercial on RV? Does anyone have a business out of it and use it as an office? Im told I cannot get regular insurance if I have any type of advertisement on outside of it... I was planning on getting it wrapped and yes, using as a part time office? Anyone familiar with this?
Seeking Advice
  • Deb_and_Ed_M's avatar
    Deb_and_Ed_M
    Explorer II
    Jun 26, 2019
    My insurance was adamant about not covering our RV if it was used for commercial puposes (whether it was "badged-up" or not)
  • Lwiddis's avatar
    Lwiddis
    Explorer II
    Jun 26, 2019
    And “hey” to you! Your local insurance agent is the source for accurate insurance information. Not me! Have you asked him/her?

    Regarding a rolling office, that doesn’t exempt you from federal, state or local taxes. Did you ever think insurance companies don’t share information with the IRS, FTB etc.? Duh
  • PartyOf_Five's avatar
    PartyOf_Five
    Explorer
    Jun 25, 2019
    Personal car insurance isn't applicable if the car is used primarily for business, I was told. I imagine similar rules apply for RVs. Maybe you can ask a local agent.

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