Insurance for caravan manufacturers

Caravan manufacturing can combine woodworking, metal fabrication, electrical work, adhesives, composites, upholstery, gas systems, painting and final assembly. These mixed processes can make the risk more complex than a standard manufacturing account.

Why insurers may view caravan manufacturing as higher risk

Underwriters may focus on hot work, combustible materials, fibreglass or composite components, timber, foams, adhesives, spray finishing, battery charging, electrical testing and storage of completed units. Premises construction, fire separation, housekeeping and fire protection can materially affect insurer appetite.

Property and business interruption

Manufacturers may have substantial plant, tooling, work in progress, parts and completed caravans on site. Property and business interruption can be important where production depends on specialist machinery, supply chains or long replacement lead times.

Products liability and completed products

Products liability can be a significant exposure because completed caravans incorporate multiple systems and components. Insurers may ask about design responsibility, outsourced components, quality-control procedures, testing, recalls, warranty work and whether products are exported. We do not provide engineering, design or legal advice.

Information insurers commonly request

Useful information includes annual turnover, units produced, maximum unit value, materials and processes, hot work, painting and adhesives, gas or electrical work, quality control, testing, design responsibility, subcontracting, stock and work-in-progress values, fire protection and claims history.

Policy scope and exclusions to review

Check finished caravans and work in progress, off-site stock, customer-owned property, demonstrations and transit. Design work, component failures, exports and recall expenses can require a separate insurance discussion.

Caravan manufacturers: insurance questions

Does products liability cover repairing a defective caravan?

Cover for third-party injury or property damage is different from the cost of repairing your own defective product. Rectification, warranty and recall costs may be excluded or require separate cover. We can review the proposed wording against the products and activities declared.

What information helps with a quotation?

Turnover by caravans, campers and components; construction methods; values of work in progress; customer property; testing or demonstration activities; exports; suppliers; design responsibilities; and claims or product withdrawals.

Can Mercantile review cover after a claim or non-renewal?

We can assess the current operations, loss history, reason for non-renewal and available insurance markets. An alternative quotation or equivalent terms cannot be guaranteed. Include the current schedule, endorsements and claims details with your enquiry.

Request an insurance review or read about insurance after claims or non-renewal. Cover depends on insurer acceptance and the policy wording, schedule, endorsements, limits and excesses.

How Mercantile can assist

We can approach insurers familiar with complex manufacturing and present the business clearly across property, business interruption, machinery breakdown, public and products liability, transit and other relevant classes. Cover remains subject to underwriting and policy terms.

General insurance information only. This page does not provide engineering, design, compliance, contractual or legal advice.