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Your handover may include showing a buyer how the slide-outs, appliances, and propane systems work. Coverage for those demonstrations and any service work is different from simply insuring a vehicle on the lot.
The Southern Agency can help you review your RV dealership risks, including complex system services and walkthrough-related liability.
You sell motorized and towable units that feature complex onboard systems, where an issue with propane, electricity, or winterization can lead to significant liability. Guiding customers through these units adds further responsibilities to your daily operations.
The Southern Agency can review your sales, repair, and demonstration activities to help you select appropriate insurance. For example, we can help assess whether your product liability coverage appropriately accounts for the specialized system maintenance you perform on RVs.
A storm or theft can affect dealer stock, demos or customer units at a lot, storage or transport site. Identify motorized and towable units, owners, installed values, and causes. Review roof or panel repairs, water entry and interrupted sales separately.
Propane is flammable, and gas-system work can be alleged to have caused a fire or explosion. Fuel-burning generator exhaust can expose people to carbon monoxide. Identify actual equipment and who supplies, installs, or services it, including outside specialists.
Steps, interiors and slide-outs can be involved in a visitor's fall or pinch injury. Identify actual access, staff demonstrations, customer handover, and any outside event; the fact that someone was injured does not itself establish dealer liability.
Appliances, electrical or water systems and roof or winterizing work may be alleged to have caused later harm. The failed component, correcting work, resulting injury or damage, gradual deterioration, and warranty responsibilities need different facts and terms.
A motorhome road test, towable movement or delivery can damage a unit or injure others. Operators, tow vehicles, trailers, routes, loading, custody, and outside carriers matter; an insured truck does not establish every unit being moved.
Roof access, work on gas or electrical systems, slide-outs, generators, lifting and transport can involve falls, burns, or strain injuries. Identify actual tasks, employers and work states for prep staff, technicians, drivers, and outside providers.
Policies to ask about. Which ones fit depends on your operations, your contracts, and the carrier’s forms.
These hypothetical examples are not agency claim results. Whether a loss is covered depends on the facts, policy terms, and applicable exclusions.
Hypothetical: a propane appliance serviced by the dealer is alleged to have caused a fire after delivery, damaging the customer's RV and other property. Applicable product or completed-work liability may address a covered property-damage claim and defense if the actual work and damage fit. The serviced component, correcting work, warranty, and damage to the RV itself need their actual terms; a fire allegation does not establish every repair cost.
Hypothetical: a visitor falls while descending a motorhome's steps and alleges the dealer failed to provide safe access. Applicable premises liability may address a covered injury claim and defense, subject to the facts, activity, and parties. The fall alone does not establish liability or every medical benefit, and damage to the unit is a separate interest.
Hypothetical: hail damages roofs and panels on several towable units held for sale. Applicable dealer RV physical-damage terms may address covered stock damage if the units, locations, and cause fit. Values, deductibles and storm terms matter; customer campers, later water damage and lost sales are not established by a showroom or stock-repair payment.
Start with the work you do and the questions your current policies leave unanswered. Carrier options depend on your location, risk, and underwriting. Explore our approach.
Describe the actual units, owners, values and uses and compare the issued dealer, physical-damage, and road terms. A motorhome demonstration, towing a travel trailer and holding a customer's camper for work involve different operations. A building or tow-truck policy does not establish all of those interests.
A covered claim for resulting injury or damage differs from the failed component, correcting work, warranty, and deterioration. Describe actual equipment and work, providers and custody timing, then compare product, completed-work, and customer-unit terms. Insurance does not establish technical competence or that a system is safe.
Review the actual access, demonstration, alleged conduct, and premises or dealer terms. Permission, acceptance and releases can have different effects and do not guarantee immunity, payment or every visitor's benefits. Do not infer insured injury liability solely because a customer fell inside a unit.
Identify the units, owners, location, cause, and timing, including whether water damage follows the event or another condition. Compare actual dealer physical-damage, valuation, storm, and income terms. Payment for a covered roof or panel repair does not by itself determine gradual leakage, customer-unit damage, or sales interruption.
A customer trip, dealer demonstration and delivery can involve different operators, duration, and custody. Describe those uses, permissions, and routes expressly, then compare actual liability and physical-damage terms. A sales demo does not establish every rental, loaner, towable, or customer-unit interest.
Excess liability and damage to owned inventory are different interests. Compare plausible visitor, road and service losses with underlying and excess scope, defense, and limits, and review dealer stock separately. A coach's purchase price alone does not determine adequate liability limits or cover excluded systems work.
Bring your questions, current policies, and relevant contracts. An agent can review coverage terms, exclusions, and the information carriers ask for, then explain the options available to you.
