NAICS UNIVERSITY · Free research for insurance agents
Recreational Vehicle Dealers
NAICS 441210 · United States · 2022 edition
This industry comprises establishments primarily engaged in retailing new and/or used recreational vehicles commonly referred to as RVs or retailing these new vehicles in combination with activities, such as repair services and selling replacement parts and accessories.
Start with the work promised to the client.
For Recreational Vehicle Dealers, clarify the services, contracts and consequences of an error. Review open lot / dealer inventory, garagekeepers, dealer e&o / false pretense. Confirm which professional activities and additional services the proposed coverage actually addresses.
Questions to ask
- What is the current total inventory value on the open lot, and what is the mix between new and used units?
- Does the dealership offer short-term RV rentals, and if so, what percentage of revenue comes from rental operations?
- Is there an in-house service department, and what types of repairs are performed — warranty only, or also collision, propane, and generator work?
- What is the average number of customer-owned RVs in the service department at any given time, and do units stay overnight for extended periods?
- Are there any consignment units or demo units that may not be titled to the dealer?
- What F&I products are sold — extended warranties, service contracts, GAP — and what is the approximate F&I revenue?
- Is there a paint booth or body shop operation on the premises?
- What is the prior loss history, particularly for open lot, garagekeepers, and any dealer E&O claims?
Activities described by this code
- Motor home dealers
- Recreational vehicle (RV) parts and accessories stores
- Recreational vehicle (RV) dealers
- Travel trailer dealers
Other activities to examine
- Retailing new or used boat trailers and utility trailers: 44122 — Motorcycle, Boat, and Other Motor Vehicle Dealers;
- Retailing manufactured homes (i.e., mobile homes), parts, and equipment: 459930 — Manufactured (Mobile) Home Dealers
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
RV dealers sell new and/or used recreational vehicles — Class A, B, and C motorhomes, travel trailers, fifth-wheel trailers, pop-up campers, and toy haulers — typically financed through floor-plan credit lines. Most dealers also maintain a service department performing warranty and customer-pay repairs, sell parts and accessories, and may offer consignment sales or short-term rentals. Inventory units are staged on open lots exposed to weather, theft, and collision damage.
Questions to investigate
- What is the current total inventory value on the open lot, and what is the mix between new and used units?
- Does the dealership offer short-term RV rentals, and if so, what percentage of revenue comes from rental operations?
- Is there an in-house service department, and what types of repairs are performed — warranty only, or also collision, propane, and generator work?
- What is the average number of customer-owned RVs in the service department at any given time, and do units stay overnight for extended periods?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.