Mobile Home Parks Coverage Program from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) offers a specialized Mobile Home Parks Commercial Liability program designed to meet the unique needs of mobile home park owners and operators. This program is written through a top-rated A.M. Best A++ carrier—United States Liability Insurance Group—and is available on a non-admitted basis across a wide range of states.
Ideal Accounts and Appetite
This program is ideal for mobile home park operations, including those with owned or leased rental units. Whether your client owns a small park with a few units or a larger community with extensive amenities, BSR can help you find competitive coverage options. The program is particularly well-suited for accounts that fall into the underwriting "Hit Zone," which ensures a fast and consistent quoting process.
Examples of good-fit accounts include:
- A family-owned mobile home park with 50 rental units and no prior loss history.
- A regional investor with multiple small parks across different states.
Coverage Highlights and Advantages
- Carrier Strength: Coverage is provided through United States Liability Insurance Group, rated A++ by A.M. Best.
- Limits: $1,000,000 per occurrence / $2,000,000 aggregate, with Commercial Umbrella options up to $5,000,000.
- No Liability Deductible: Provides clean, upfront protection for your clients.
- Rental Unit Coverage: Includes liability coverage for owned or leased rental units within the park.
- Competitive Pricing: Low minimum premiums help you write smaller accounts efficiently.
Underwriting Notes and Submission Requirements
To streamline the quoting process, BSR encourages agents to review the program’s eligibility guidelines. Risks that meet the HIT ZONE criteria will receive a quote every time, making it easier for you to place business quickly and consistently.
To submit a risk for quote, please include a completed Acord application along with the Mobile Home Park Supplement. Incomplete submissions may delay the underwriting process.
Territories and Availability
This program is available on a non-admitted basis in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WV, WI, WY.
Why Work With Bailey Special Risks, Inc.?
BSR is a trusted wholesale broker with a strong track record of delivering tailored insurance solutions for niche markets, including mobile home and manufactured housing communities. Their deep underwriting knowledge, responsive service, and strong carrier relationships make them a valuable resource for agents and brokers looking to grow in this space.
If you're searching for a reliable and efficient market for mobile home parks, BSR is ready to assist with competitive terms and expert guidance.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is best suited for mobile home parks with owned or leased rental units and a clean loss history. Smaller and mid-sized parks are welcomed, especially those meeting HIT ZONE criteria.
What documents are needed to submit a risk?
A completed Acord application and the Mobile Home Park Supplement are required to initiate underwriting and receive a quote.
Are umbrella limits available?
Yes, Commercial Umbrella coverage is available with limits up to $5,000,000, in addition to standard liability limits of $1,000,000/$2,000,000.
Which states is the program available in?
The program is available in over 40 states, including CA, FL, TX, NY, and many others. It is written on a non-admitted basis.
Does the program cover liability for rental units owned by the park?
Yes, the liability coverage includes owned or leased rental units located within the mobile home park.
Need help placing an account? Connect with a market specialist.