RVBusiness, May/June 2017
K K Has Been Insuring RV Dealerships for 30 Years M A Y J U N E 2 0 1 7 RVBusiness 119 This year marks the 65th anniversary of K K Insurance Group Inc located in Fort Wayne Ind and K K has been working with RV dealerships for nearly half of that long history The company started in motorsports and over the years has expanded to a wide variety of areas in the outdoor recreation space developing expertise in businesses that feature risks that arent mainstream That specialty means K Ks staff has a really thorough understanding of how to craft insurance coverage as unique as each business In one way or another weve been writing policies for RV dealerships for almost 30 years said Lita Mello senior vice president for K Ks recreation division The company focuses on dealers who sell new RVs rather than businesses that solely sell used RVs K K can write policies in 48 states excluded in only New Jersey Massachusetts and the District of Columbia Our coverages are competitive within the marketplace Mello noted We limit our coverage to the building contents property and liability We do not write the physical damage of inventory There are companies like us specializing on the liability side and there are entities out there covering the RVs themselves In liability K K offers more options than many others Coverage includes property general liability inland marine crime garage liability garagekeepers employment practice liability in some states excess and workers compensation insurance Kent Bixler senior underwriter for dealership programs said K K offers coverage often missing like false pretense coverage on the dealers parts and inventory business A lot of dealers also are missing necessary errors and omissions coverage he noted And while K K offers a large variety of coverage it also offers what in essence amounts to a catastrophic deductible That way if a disaster hits a dealership and its covered by various different aspects of the dealerships policy there arent multiple deductibles for each one What makes us stand out from the marketplace were also able to write campgrounds that on many occasions are in conjunction with an RV dealership Mello noted The same is true of dealers that also offer powersports equipment like ATVs and personal watercraft As part of K Ks coverage the company sends out a loss control expert at no expense to the dealer to look at the dealers operation looking for any recommendations that might help head off problems and in the long run keep insurance costs down In all K Ks strength is in its expertise and longevity in the RV industry Mello said n K K Insurance 1712 Magnavox Way Fort Wayne IN 468 04 800 637 4757 kandkinsurance com
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