Tractor & Industrial Equipment Dealer Insurance CA

Usually dealer inventory is handled differently.

Care-custody-control/property-of-others should be reviewed.

They should be specifically included — demo units used at customer sites or trade shows carry the same theft and damage exposure as rental equipment and shouldn't be assumed covered under a standard inventory form.

Yes — a mobile service truck traveling to customer sites adds real commercial auto exposure beyond a dealer's showroom and lot operations.

Sometimes, but rental inventory needs appropriate treatment.

Yes — dealers with significant outdoor equipment inventory face real wildfire exposure in many California regions, and property limits and mitigation should reflect that.

Yes — parts inventory has different valuation and theft characteristics than whole-unit equipment and is often underinsured when it is simply lumped into a general property estimate.

It generally does, because training is a service and a sale is not. Where a dealer trains a customer's operator and that operator is later injured or causes injury, the allegation is commonly that the training was inadequate rather than that the machine was defective — a different claim with a different route through the policy. The same applies to familiarization sessions at delivery and to written materials the dealer prepares itself, as opposed to passing on the manufacturer's. Keeping a record of who was trained, on what machine and against which manufacturer materials is ordinary practice. Whether any particular policy reaches the activity depends on how professional services are defined in it.