The Impact of Seasonal Changes on RV Repair Business Insurance Needs

RV ownership is booming across the country, and so is the demand for RV repair services. However, with the changing seasons come different business risks. Whether it’s a surge in business during summer or weather-related damage during winter storms, seasonal shifts can impact your insurance needs. Reviewing your RV repair business insurance regularly can help ensure you’re adequately protected year-round.

How Seasons Affect RV Repair Business Risks

Each season brings unique challenges that RV repair businesses must manage:

• Spring and summer surge—As RV owners gear up for vacations, repair shops often see increased customer volume. With more vehicles on-site, the risk of accidental damage, theft or customer injuries rises.
• Fire season—In California, summer and fall bring heightened wildfire risks. An out-of-control fire could threaten your building, inventory and customer vehicles.
• Winter weather—While California winters are mild compared to other states, some regions experience heavy rain and flooding, which can damage property or equipment.
• Staffing changes—Seasonal hiring to handle busy periods can introduce new workers’ compensation risks.

Key insurance policies to review include the following:

• General liability insurance may provide financial protection after customer injuries and property damage.
• Garagekeepers insurance may cover customer vehicles in your care, custody or control.
• Commercial property insurance may cover your business location, tools, equipment and supplies.
• Workers’ compensation insurance is generally required under California law if you have employees, even if they are seasonal.

Adjusting your coverage limits and verifying policy details before each busy season helps safeguard your business from unexpected losses.

Keep Your RV Repair Business Protected Year-Round

Seasonal changes don’t have to catch you off guard. ISE Insurance Services specializes in helping California businesses tailor their insurance to fit shifting risks throughout the year. Contact us today for a policy review and so your RV repair business is protected during every season.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.