Comfort Motorhome Insurance
Description of operation: Comfort Motorhome and caravan vehicle dealers can provide other services in addition to the sales of new and/or used vehicles. These services can be the sales of parts and accessories, vehicle repair facilities and body shops, rental and leasing operations, motor vehicle club and towing services, or car wash operations. Owners of Comfort Motorhome and caravan owners need to also purchase Comfort MotorHome Insurance from reputable insurance brokers
Comfort Motorhome Insurance Brokers
Property exposure comes from the garage operations. These are normally conducted in an area separated from the main showroom, which can control the damage for a loss. The flammable liquids in the repair area can feed a fire. All spray painting operations should be kept separated from other operations both for fire protection and overspray property damage. Housekeeping is a must for controlling fire. Greasy, oily rags must be kept in covered metal containers. Work areas must be cleaned regularly and rubbish must be removed from the building.
Crime exposure comes from many areas. Employee dishonesty is possible in many areas including bookkeeping, motor vehicle theft and service inventory theft. There must be thorough
background checks, and checks and balances should be in place. All keys must be monitored. In addition, cash transactions are not uncommon, so money and securities must be monitored along with holdup precautions and counterfeit checking procedures.
Premises exposure centres on the potential customers who are looking over the vehicles and also the customers who have returned for service work. Car parks, showrooms and pavements must be well maintained. There must be customer waiting areas for the service area.
Motor liability includes the customer test-driving the vehicles and also the demonstrator vehicles that are available to salespersons and managers. There must be set procedures, such as salespersons accompanying the customers and guidelines for usage of the demonstrators. Repair operations are the major products/completed operations exposures. There should be a check-off procedure in place prior to release of the vehicle to the customer to prevent the return of the vehicle with any vital functions not working properly.
Motor Trade exposure is important since the applicant is responsible for the customer’s vehicle. There must be a procedure for the keys to prevent the wrong person from taking the vehicle. Storage areas must be well protected and away from the vehicles for sale. They should be well lit.
Employers’ liability exposure is primarily from the garage operation. All employees should have ear and eye protection. Hoists need to be regularly inspected to prevent falls. The proper use of lifting techniques and of dollies should be encouraged.
Other exposure is from the Stock, including Goods in Trust and Work in Progress. The arrangements with the vehicle manufacturers vary. The Stock, including Goods in Trust and Work in Progress cover provides the cover for the vehicles for sale. Particular concern must be for hail and wind damage to the outside vehicles. There is also a potential for vandalism and theft. Lots should be well lit with all lots chained or fenced to prevent transport. The more expensive models should be moved inside. Security guards may be appropriate in some areas.
Minimum recommended cover:
Building, Machinery and Contents, Business Interruption, Public/Product Liability, Book Debts, Computers, Stock, including Goods in Trust and Work in Progress, Goods in Transit, Breakage of Glass (including Signs), Deeds and Documents, Employee Dishonesty, Money and Securities, Computer Fraud, Money Order and Counterfeit, Employee Benefits, Environmental Impairment, Excess of Loss/Difference in Cover, Motor Trade, Employers’ Liability
Other covers to consider:
Employment Practices Liability
Broker: The covers listed below are suggested for consideration. After evaluating each of the listed covers, check the recommended blank by those that apply specifically to the client. Make sure both the exposure and the cover are explained thoroughly to the client.
Client: For each of the covers that the broker has recommended, initial whether you have chosen to accept or reject that cover in the blanks provided.
Please note that this list is NOT exhaustive. If you have a specific need not on the list, please contact us at Arkwright Insurance Brokers to address your needs and to arrange a bespoke policy.