Mobile Home Park Insurance Program from Colonial General Insurance Agency
Colonial General Insurance Agency, Inc. offers a specialized Mobile Home Park Insurance program designed to help independent agents and brokers place coverage for a range of mobile home and RV park risks. Whether your clients operate permanent mobile home parks, seasonal RV parks, or year-round campgrounds, this program provides flexible solutions with both property and liability options available on a monoline or package basis.
Ideal Accounts and Classes
This program is well-suited for:
- Mobile home parks (both permanent and tourist-based)
- Recreational vehicle (RV) parks
- Campgrounds with short- or long-term guest stays
Typical accounts include family-owned parks, regional park operators, and seasonal sites. You might have a client with a multi-acre RV park in Arizona catering to snowbirds or a mobile home community in Utah with permanent residents—both are excellent fits for this program.
Coverage Highlights and Advantages
Property Coverage Options:
- Accounts Receivable
- Basic, Broad, or Special Form
- Building and Contents
- Business Income and Extra Expense
- Computer Equipment
- Equipment Breakdown
- Food Spoilage
- Inland Marine
- Outside Signs
- Replacement Cost or Actual Cash Value
- Valuable Papers
General Liability Coverage Includes:
- Primary limits up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments Coverage – Included
- Blanket Additional Insureds – Included
- Liquor Liability (where applicable)
- Hired and Non-Owned Auto Liability
- Excess or Umbrella limits up to $25,000,000
- No liability deductible required
Crime Coverage Options:
- Theft of Money and Securities (Inside the Premises)
- Robbery or Safe Burglary of Other Property
- Losses Outside the Premises
Underwriting Notes
Colonial General underwrites through a variety of carriers and offers access to both admitted and non-admitted markets, depending on the risk profile and state. This flexibility allows you to place both standard and harder-to-place risks efficiently. While minimum premium requirements vary by carrier, the underwriting team will work closely with you to review submissions and explore viable options for your accounts.
Territories and Availability
This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General maintains a strong regional focus in the Western U.S., making them a reliable partner for agents working in these territories.
Why Work with Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker with deep experience in specialty property and liability risks, Colonial General provides access to a wide range of markets and strong underwriting support. Their expertise in the mobile home park and RV park segment allows you to deliver tailored coverage solutions for your clients while streamlining the placement process.