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Old 01-27-2016, 03:37 PM   #15
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Progressive also gave me an agreed value policy.
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Old 01-27-2016, 07:30 PM   #16
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Insurance without a truck - Is it possible?

Just another vote for Progressive. First 5 years on a brand new trailer you get replacement coverage. After that point it's stated value based on what you paid. At this point if my 12 year old Classic was totaled, I would get a payout for my original purchase price of the trailer back in 2004. Plus the road service coverage covers both the trailer and tow vehicle, even if the tow vehicle is not insured by Progressive. Tow vehicle gets disabled they will tow trailer and tow vehicle.

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Old 01-30-2016, 12:20 AM   #17
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Several issues: What you are proposing to use the AS for is technically a commercial purpose, not as a recreational vehicle, therefore you will need to provide commercial coverage. Insurance laws vary from state to state (my expertise is New York), but generally speaking, liability insurance (harm or damage you do to others) on a trailer comes from the vehicle that is towing it. Liability while it is parked and being used as a gallery/outreach, etc. will need to come from a Comprehensive General Liability (CGL) policy. This is a business liability policy that is "portable" as to location, versus a "premises liability" (OL&T) for a building or fixed location. Contractors use CGLs, as they need their insurance to follow them from job site to job site. Thirdly, comes physical damage coverage for the trailer and contents. Again, this needs to be both commercial and portable, so what you are looking for is an "inland marine floater". This can usually be packaged with your Commercial Auto and CGL to save you some money. Again, this is NOT personal or RV-type insurance as many people above have recommended. In fact, personal and RV policies EXCLUDE any commercial activity! Any good independent insurance agent who handles commercial insurance coverages should be able to fix you up with what you need. Good Luck!
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