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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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https://completemarkets.com/company/amerspec/Amusement-Parks/
American Specialty is proud to be the only IAAPA-endorsed insurance provider for amusement parks. We specialize in the risks that come with operating rides, attractions, inflatables, and special events. The Amusement Parks Insurance program packages underwriting, claims, and risk management expertise into market-ready solutions that help agents place and retain complex entertainment accounts with confidence.
Eligible Operations for Amusement Parks Insurance
Mechanical Rides
Family Entertainment Centers (FECs)
Ice Skating Rinks
Midways and Fairgrounds
Special Events and Festivals
Exhibitions / Expositions
Theme Parks (permanent & seasonal)
Laser Tag Arenas
Tourist Attractions and Scenic Rides
Program Highlights for Amusement Parks Insurance
A.M. Best “Excellent” or higher carriers
Admitted paper where applicable
Program-specific forms and rates
Non-auditable policy options
24-hour claims service
In-house underwriting, claims, risk management and policy administration
Online resources and tools for agents
Program Coverages for Amusement Parks Insurance
General Liability
Contingent Fireworks Liability
Excess / Umbrella
Liquor Liability
Commercial Auto
Property (including attraction equipment)
Crime
Employee Benefits Liability
Workers’ Compensation
Deductible / SIR options
Why Choose American Specialty
As a Managing General Underwriter with decades of experience in the amusement and entertainment industries, American Specialty offers a specialized approach to underwriting, claims handling, and risk control. Our team understands the operational, mechanical, and spectator risks these accounts present and structures coverages that address both common and complex exposures. We support agents with market access plus technical guidance to place and maintain profitable accounts.
Territories and Availability
This program is available in all 50 states and Washington, D.C. Admitted coverage is offered where applicable through A.M. Best “Excellent” rated carriers. We can underwrite accounts across urban and rural markets, including seasonal operations in high-tourism states.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by operation type, size, and exposures. Submissions should include current loss runs, equipment inspection/maintenance documentation, and an operations description. Our in-house underwriters provide quick reviews and will advise on minimums, deductible/SIR options, and attachment points for excess placements.
Ideal Accounts and Appetite
We are actively seeking:
Permanent and traveling amusement parks and midways
Indoor and outdoor family entertainment centers with multiple attractions
Tourist attractions, scenic and seasonal rides
Ice rinks, laser tag arenas, and similar indoor attractions
Special events and festivals that include rides, inflatables, or fireworks
Accounts with disciplined maintenance programs, documented ride/attraction inspections, and trained staff receive the most favorable terms. We can consider a wide range of risks but typically decline unlicensed ride operations, accounts without maintenance records, or operations involving permanently installed high-speed thrill rides lacking manufacturer documentation.
Frequently Asked Questions
What types of accounts are a good fit for this program?Ideal accounts include amusement parks, family entertainment centers, laser tag arenas, ice rinks, and seasonal events that feature rides, inflatables, or attractions.
Is this program available nationwide?Yes. The Amusement Parks Insurance program is available in all 50 states and Washington, D.C.
What coverages are included in the program?Coverages can include General Liability, Property, Workers’ Compensation, Liquor Liability, Auto, Excess/Umbrella, Crime, and other specialty endorsements tailored to amusement operations.
What is the minimum premium for this program?Minimum premiums depend on the operation type and risk profile. Contact our underwriting team for pricing guidance and expected minimums for your submission.
Why work with American Specialty?American Specialty is the only IAAPA-endorsed provider in this space. We provide in-house underwriting, claims handling, and risk management with deep amusement industry expertise to help you place and retain these accounts.
Need help placing an account? Connect with a market specialist.
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