RV Parks Insurance Program from OnPoint Underwriting
OnPoint Underwriting offers a targeted RV parks and manufactured housing parks program designed for the unique exposures of park owners and operators. As a program administrator with nationwide reach, OnPoint places accounts with multiple A-rated facilities and specialty markets. Our underwriting focuses on practical, industry-specific coverages and competitive pricing so you can place accounts ranging from single-location owners to large consolidators.
Why this program
This program is built for agents who need broad placement options and enhanced coverages for RV parks, communities with owned rental units, and manufactured housing dealers. OnPoint combines market access (StarNet, Gemini, Lloyds/Ascot, Chartis, ACE, Allied and others) with underwriting authority and a Coverholder relationship with Lloyds of London (Ascot) to handle coastal CAT property risks, including Florida exposures.
Ideal accounts and appetite
- Small to large RV parks and manufactured housing communities — single locations to multi-state portfolios.
- Owners with rented or owned rental units on-site.
- Communities that need site-based general liability, property, and business income solutions.
- Accounts that require optional automobile, umbrella, or open-lot property coverages.
Accounts that typically fit: parks with well-documented site maps and occupancy data, routine maintenance programs, and reasonable prior loss histories. Accounts with significant environmental hazards, habitual code violations, or unaddressed structural issues may require prior remediation or specialty placement.
Coverage highlights and advantages
- Package options including liability, property, open-lot coverage, auto and umbrella.
- Business income coverage that can respond to loss of income resulting from direct damage to non-owned homes in the community (actual loss sustained form with optional extended period of indemnity).
- Coverage for unscheduled buildings and business personal property included up to $5,000.
- Debris removal included and a range of optional endorsements tailored to park operations.
- General liability available on a per-site basis with aggregate limits per location and automatic additional insured wording.
- Access to coastal CAT property placement through OnPoint’s Lloyds/Ascot Coverholder agreement.
Underwriting notes and minimum premium
OnPoint has delegated underwriting and pricing authority with several admitted and non-admitted facilities. Typical submission requirements include a current application, loss runs, site map, and occupancy information. The program minimum premium is $500. Underwriting will evaluate age and condition of structures, site maintenance, and prior claims when determining terms.
Territories and admitted status
Availability: Most Available States. OnPoint writes in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carriers include a mix of admitted and non-admitted A-rated markets to give you placement flexibility across jurisdictions.
Examples of accounts that fit
- You have a 75-site family-owned RV park on the Gulf Coast seeking property and liability placement with CAT capacity — OnPoint’s Lloyds relationship can be helpful.
- You represent a small consolidator that owns multiple inland parks and needs GL on a per-site basis plus umbrella limits and optional auto coverage.
Why work with OnPoint Underwriting
- Industry specialization — recognized leader for manufactured housing parks and dealers.
- Breadth of markets — authorization with several A-rated carriers and specialist facilities.
- Practical policy enhancements that reflect the operational realities of parks and communities.
- Responsive underwriting and nationwide placement capability for a range of account sizes.
For more information about the RV Parks Insurance program or to submit a risk, contact Jackie Miller at [email protected] or (602) 494-6733. You can also visit the OnPoint website at www.onpointunderwriting.com.