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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.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for mobile home parks (permanent or tourist-based), RV parks, and campgrounds, including both seasonal and year-round operations.
Is coverage available on an admitted or non-admitted basis?Colonial General offers both admitted and non-admitted options, depending on the specific risk and state requirements.
What limits are available for liability coverage?The program offers primary general liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million.
Are there any specific states where this program is available?Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What is included in the property coverage?Property coverage includes options such as buildings, contents, business income, equipment breakdown, outside signs, inland marine, and more.
Need help placing an account? Connect with a market specialist.
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