Painted trailers always have this potential. Do you know when the dealer received it? What conditions it sat in prior to you buying it? How long it sat outside between manufacturing to your driveway? Was it transported on any roads with rubble, debris, gravel, etc. by you or anyone else? Every ding of something on a painted trailer has the chance of chipping paint and exposing metal; which then will begin to rust super fast if left sitting outside.
That said, you certainly expect more when it is brand new. Contacting Yacht Club will hopefully be helpful. I have a Yacht Club trailer for my PWC, so I’d love to hear back from you on what they do/say in case I have issues someday.
* In full disclosure I bought my PWC trailer 1 year used (a 2020) from a trade in at our dealerships. It has 2 very small rust spots similar to this, but I am storing it indoors, and plan to touch those up with some rustoleum paint sometime soon. I also knew about them when I bought it used, so no curveball on my end like on yours.
That said, some gold old fashioned black rustoleum paint will take care of your problem now, and keep it from getting worse.
