Ideal Accounts and Appetite
This program is an excellent fit for:
- Permanent mobile home parks
- Seasonal or tourist RV parks and campgrounds
- Owner-operated or investor-owned park models
- Multi-location park operators in the western U.S.
We’re looking for well-maintained properties with documented safety protocols and risk management practices. Risks with pools, playgrounds, or on-site amenities are acceptable when properly managed. New ventures may be considered with strong ownership experience.
Coverage Highlights and Advantages
Property Coverage:
- Buildings and Business Personal Property
- Business Income coverage
- Basic, Broad, or Special Form options
- Replacement Cost or Actual Cash Value
- Equipment Breakdown
- Food Spoilage
- Inland Marine
- Accounts Receivable & Valuable Papers
- Computer Equipment & Outside Signs
Commercial General Liability:
- Limits up to $3,000,000 Occurrence/Aggregate
- $5,000 Medical Payments – Included
- Blanket Additional Insureds – Included
- Liquor Liability available
- Hired & Non-Owned Auto coverage
- Excess/Umbrella limits up to $25,000,000
- No deductible required
Crime Coverage:
- Theft of Money & Securities – Inside Premises
- Robbery or Safe Burglary of Other Property
- Theft Outside the Premises
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk characteristics, coverage needs, and location. Our underwriting team evaluates each submission individually to tailor terms and pricing to fit your client's operation. Submissions should include complete applications, property details, and loss history where applicable.
Territories and Availability
This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. All coverages are placed on a non-admitted basis with access to a variety of specialized carriers.
Why Work With Cochrane & Company?
Cochrane & Company is a trusted Managing General Agency with deep expertise in niche property and casualty markets. Our Mobile Home Park Insurance program reflects our commitment to offering agents flexible solutions backed by responsive service and knowledgeable underwriting. We offer access to multiple markets, helping agents navigate complex risk profiles and find competitive terms for their clients.
If you're looking to place mobile home park, RV park, or campground risks, partner with Cochrane & Company to secure quality coverage for your clients. Contact us today to get started.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for permanent mobile home parks, seasonal RV parks, and campgrounds located in the western United States. Both individually owned and investor-managed properties are eligible.
Is this program available in all states?
No, it is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Does the program offer package and monoline options?
Yes, coverage is available on either a monoline or package basis, depending on the needs of the insured.
Are amenities like pools or playgrounds covered?
Yes, amenities such as pools and playgrounds are acceptable risks when properly maintained and managed with safety protocols in place.
What documentation is required for submission?
Submissions should include a completed application, details about the property, and loss history if available. Additional information may be requested during underwriting.
Need help placing an account? Connect with a market specialist.