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Place your clients' mobile home parks, RV parks, and campgrounds with confidence through Cochrane & Company’s Mobile Home Park Insurance program. Built specifically for permanent manufactured housing communities, seasonal or tourist RV parks, and campgrounds, this program offers comprehensive property and liability solutions on a monoline or package basis. Whether your client operates a year-round manufactured home community in Montana or a summer RV campground in Oregon, Cochrane & Company can help you access the right markets and structure coverage to address common park exposures — premises and amenity liability, loss of rental income, vandalism and theft, equipment breakdown, and employee crime. Ideal Accounts and Appetite This program is an excellent fit for: Permanent mobile home parks and manufactured housing communities Seasonal or tourist RV parks and campgrounds Owner-operated park models and investor-owned communities Multi-location park operators located in the western U.S. We prefer well-maintained properties with documented safety and risk-management practices. Amenities such as pools, playgrounds, laundry facilities, and on-site offices are acceptable when routine maintenance, signage, and safety protocols are in place. New ventures can be considered when ownership brings relevant management experience. Coverage Highlights and Advantages Property Coverage: Buildings and Business Personal Property Business Income (rental/rent loss) coverage Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value valuations Equipment Breakdown and Food Spoilage Inland Marine and coverage for computer equipment & outside signs Accounts Receivable & Valuable Papers Commercial General Liability: Limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments included Blanket Additional Insured endorsements included where required Liquor Liability available for parks with alcohol sales or events Hired & Non-Owned Auto coverage options Excess/Umbrella capacity up to $25,000,000 No deductible required on certain liability placements Crime Coverage: Theft of Money & Securities – Inside Premises Robbery or Safe Burglary of Other Property Theft Outside the Premises Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis to match coverage to the risk profile. Typical submission documents include a completed application, property details (unit/site counts, year built, occupancy mix, and descriptions of on-site amenities), and loss history or loss runs when available. Risks with significant deferred maintenance, uncontrolled nuisance exposures, or high-frequency losses may not fit the program. Minimum premiums vary by state, carrier selection, and account characteristics; our underwriting team will quote specific minimums after reviewing the submission. Territories and Availability This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. All coverages are placed on a non-admitted basis, giving you access to specialized carriers and broader appetite across the western U.S. Why Work With Cochrane & Company? Cochrane & Company is a managing general agency with deep experience in niche property and casualty programs. We combine targeted underwriting expertise with access to multiple surplus and specialty markets, helping agents place complex or non-standard park risks more efficiently. Our underwriters are responsive and pragmatic — they evaluate risk controls and management practices to produce competitive, tailored terms rather than relying solely on standard forms. If you need to place mobile home park, RV park, or campground business, partner with Cochrane & Company to tap specialty markets and practical underwriting. Contact our team to discuss submissions and market options. Frequently Asked Questions What types of accounts are a good fit for this program?This program suits permanent mobile home parks, seasonal RV parks, and campgrounds in the western U.S. Both individually owned and investor-managed properties are eligible when they demonstrate routine maintenance and safety procedures. Is this program available in all states?No. Coverage is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Does the program offer package and monoline options?Yes. Coverages can be written on a monoline basis or combined into a package policy depending on the insured’s needs and the carrier chosen. Are amenities like pools or playgrounds covered?Yes. Pools, playgrounds, and similar amenities are acceptable when they are properly maintained, have appropriate signage and supervision, and are reflected in the submission details. What documentation is required for submission?Provide a completed application, detailed property information (number of sites/units, year built, occupancy, amenities), and loss history or loss runs when available. Underwriting may request additional documentation as needed. Need help placing an account? Connect with a market specialist.

Comprehensive Insurance for Parking and Valet Operators The Parking and Valet Operators Insurance Progra...gram?This program is ideal for valet parking services, self-park garages and lots, event parking companies, and parking operators managing private or com...

Policy Highlights for our Amusement Park program: Colonial General Insurance Agency, Inc. offers a comprehensive Amusement Park Insurance program designed to meet the unique risks faced by amusement parks and related operations. Whether you're placing a large permanent theme park or a smaller seasonal operation, our program provides flexible, broad coverage options that help protect your clients’ property, liability, and financial interests. Ideal Accounts and Appetite We are actively seeking accounts that include: Permanent and mobile amusement parks Theme parks and water parks Indoor entertainment facilities with amusement rides Operators of mechanical rides, inflatables, games, and concessions This program is a great fit for agents working with clients who operate year-round or seasonal parks in the western U.S., especially in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage Highlights and Advantages Property Coverage Available: Accounts Receivable Basic, Broad, or Special Form options Building and Business Personal Property Business Income Computer Equipment Equipment Breakdown Inland Marine Outside Signs Replacement Cost or Actual Cash Value (ACV) Valuable Papers Commercial General Liability Coverage: Primary Limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments Coverage included Blanket Additional Insured Endorsement available Excess or Umbrella Limits up to $25,000,000 No deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Losses Occurring Outside the Premises Underwriting Notes Coverage can be provided on a mono-line or package basis to meet the specific needs of your insureds. We work with a variety of carriers (admitted and non-admitted) to offer tailored solutions depending on the risk profile and location. Submissions should include detailed risk information and loss history when available. Minimum premiums may vary based on class and location; contact us for more information. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Why Work With Colonial General Insurance Agency, Inc.? As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep market access and specialized underwriting knowledge to the amusement industry. We understand the complex risk exposures amusement parks face and work closely with agents to deliver responsive service, competitive solutions, and fast turnarounds. Whether you're working with a client launching a new family fun center or one expanding a long-standing park, we can help you find the right coverage structure. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amusement parks, indoor facilities with rides, mobile attractions, and operators of mechanical rides, inflatables, and games. Is this program available on an admitted or non-admitted basis?Some markets are admitted, while others are non-admitted, depending on the risk and location. We work with a variety of carriers to find the best fit. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I write mono-line policies through this program?Yes, both mono-line and package policies are available depending on the needs of your insured. What documentation is needed for a submission?We typically require a completed application, detailed risk information, and loss history to provide a quote. Need help placing an account? Connect with a market specialist.

Manufactured Housing Communities Insurance Program OnPoint Underwriting delivers a specialized insurance program tailored for Manufactured Housing Communities and Dealers. As a leading national program administrator in this niche, OnPoint brings deep expertise and access to top-rated markets to help insurance agents place business confidently and competitively. We understand the unique exposures that manufactured housing parks and communities face and have designed coverage solutions that meet both standard and complex needs across the country. Ideal Accounts and Appetite Our program is designed for: Manufactured housing community owners (single or multiple locations) Mobile home park operators Manufactured housing dealers Communities with on-site rental units RV parks (optional coverage available) This program is a great fit whether your client is a small, single-location park owner or a large consolidator with multi-state operations. You might have a client who recently acquired a mobile home park in a coastal state and needs property coverage that includes CAT exposures—OnPoint has options for that too. Coverage Highlights and Advantages OnPoint's program includes a broad suite of coverages, including: General Liability – rated per site with location-specific aggregate limits Property and CAT Property – including coastal areas like Florida via Lloyd’s of London (Ascot) Open Lot and Inland Marine Umbrella and Auto – available on an optional basis Business Income – covers loss of income due to damage to non-owned homes, with Actual Loss Sustained and optional Extended Period of Indemnity Debris Removal – included Coverage for Unscheduled Buildings and/or Business Personal Property up to $5,000 included All carriers are rated “A” or better by AM Best, and OnPoint maintains underwriting and pricing authority with multiple carriers including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Underwriting Notes and Minimum Premiums Minimum premiums start at $500, making this program accessible for small and mid-sized community operators. OnPoint has developed proprietary enhancements that improve upon standard industry offerings, helping agents deliver added value to their clients. Submissions are reviewed promptly, and our team is equipped to tailor terms based on each risk’s unique characteristics. Territories and Availability This program is available in most states nationwide, including key markets such as CA, FL, TX, AZ, NC, and more. Whether your client operates in a coastal, inland, or multi-state location, OnPoint can provide solutions to fit the jurisdiction and exposure profile. Admitted and non-admitted options are available depending on the state and risk type. Why Work With OnPoint Underwriting? OnPoint Underwriting has a long-standing reputation in the manufactured housing sector, trusted by both large national operators and single-location owners. With access to exclusive markets, responsive service, and deep program knowledge, OnPoint helps agents place risks efficiently and competitively. We offer tailored solutions, consistent underwriting, and the ability to handle complex or catastrophe-prone accounts. To learn more about placing business in our Manufactured Housing Insurance Program, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufactured housing community owners, mobile home park operators, and dealers—ranging from small single-site owners to large multi-state portfolios. Can the program cover properties in coastal or CAT-prone areas?Yes, OnPoint can write CAT property coverage in coastal areas, including Florida, through our Lloyd’s of London (Ascot) Coverholder agreement. What optional coverages are available?Optional coverages include Automobile, Umbrella, RV Parks, and owned rental units within the community. Is there a minimum premium requirement?Yes, the minimum premium for this program is $500, making it accessible for smaller accounts. Which states is this program available in?This program is available in most U.S. states. Contact us to confirm availability in your client's specific location. Need help placing an account? Connect with a market specialist.

Mobile Home Insurance Program offered by OnPoint Underwriting OnPoint Underwriting, in partnership with Spectrum Wholesale, offers a dedicated Mobile Home Insurance program tailored to the needs of mobile and manufactured housing owners, dealers and park operators. The program gives agents flexible placement options for accounts ranging from single-location park owners to multi-state dealers and large consolidators. This program is available in most states and includes specialized solutions for Manufactured Housing Parks, Dealers, RV Parks, and communities with owned rental units. OnPoint has underwriting and pricing authority across multiple "A" rated carriers—including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance—allowing a broad set of options, including CAT property placements for coastal exposures through a Lloyd’s of London Coverholder agreement. Ideal Accounts and Appetite OnPoint’s Mobile Home Insurance program is a fit for: Single- and multi-location mobile home park owners Manufactured housing dealers and sellers RV parks and communities that own rental units Accounts with property CAT exposure, including coastal risks Typical examples you can place with this program: a small park with a mix of tenant- and owner-occupied mobile homes; or a regional dealer who needs multi-state cover for inventory and premises liability. The program is designed to handle both routine and complex placement needs. Coverage Highlights and Advantages Multi-state admitted and non-admitted options with competitive rates Property and General Liability coverage tailored to mobile/manufactured housing risks Open Lot, Auto, and Umbrella capacity available Unscheduled Buildings and BPP coverage included up to $5,000 Business Income available on an Actual Loss Sustained form Optional Extended Period of Indemnity Debris removal included General Liability enhancements: aggregate limits per location and automatic Additional Insured wording These features help insureds manage property loss, liability exposure, business interruption and debris removal—with tailored enhancements that many standard programs do not provide. Underwriting Notes and Minimum Premiums The program’s minimum premium starts at $500, which makes it accessible for smaller park owners and single-location accounts. OnPoint underwrites and prices risks with delegated authority across multiple carriers for faster turnaround and flexible structure. CAT property placements are available for high-risk areas—particularly along the Gulf Coast and Southeast—subject to underwriting review. Territories and Availability OnPoint’s Mobile Home Insurance program is available in most U.S. states. Admitted markets are offered in the majority of states, with non-admitted options for higher-risk or CAT-exposed locations. Key states include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With OnPoint Underwriting? OnPoint is a program administrator focused on the manufactured housing sector. Agents benefit from OnPoint’s niche underwriting expertise, delegated authority across multiple A-rated carriers, and a history of placing both admitted and non-admitted accounts. Their ability to place CAT property, combined with enhanced liability and business income options, helps agents solve placement problems that standard markets may decline or limit. For additional information on our Mobile Home Insurance program, contact Jackie Miller at [email protected] or (602) 494-6733. You can also visit our website at www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include mobile home parks, manufactured housing dealers, RV parks, and communities with rental units—especially those with property or coastal CAT exposures. Is this program available in admitted markets?Yes. Admitted coverage is available in most states. Non-admitted options are offered for higher-risk or CAT-prone areas where admitted capacity is limited. What is the minimum premium for this program?The program starts at a minimum premium of $500, making it accessible for smaller accounts and single-location park owners. Can this program cover CAT-exposed properties in coastal states?Yes. OnPoint can place CAT property coverage in coastal areas—including Florida—through a Lloyd’s (Ascot) Coverholder agreement, subject to underwriting terms and eligibility. What makes OnPoint Underwriting different from other program administrators?OnPoint specializes in the mobile home and manufactured housing sector, holds underwriting authority across several carriers, and provides enhanced coverages and fast turnaround to help agents place complex risks. Need help placing an account? Connect with a market specialist.

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Mobile Home Dealers Insurance Program offered by OnPoint Underwriting Spectrum Wholesale, a subsidiary of OnPoint Underwriting, offers a specialized Mobile Home Dealers Insurance Program tailored to meet the unique needs of the growing manufactured housing industry. With over 15 years of nationwide experience, this program delivers comprehensive coverage solutions and responsive claims handling for retail agents serving both small operations and large-scale mobile home dealerships. As a Managing General Agency and Excess & Surplus Lines Broker, OnPoint Underwriting brings strong market relationships and underwriting authority with top-rated carriers, including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Through a Coverholder agreement with Lloyd’s of London, the program also has the capacity to place CAT-exposed property risks in coastal areas, including Florida. Ideal Accounts and Appetite This program is designed for: Mobile home dealers (retail and wholesale) RV parks and communities with owned rental units Property owners of manufactured housing communities Dealers located in CAT-exposed and coastal areas, including Florida You might have a client operating a multi-location dealership with open lot exposure or a small independent dealer that needs liability and property coverage—this program can meet both needs with flexible underwriting and optional enhancements. Coverage Highlights and Advantages Multi-state coverage with competitive rates Liability and property coverage included Open lot protection for inventory Optional coverage for automobile and umbrella exposures Coverage for unscheduled buildings and/or business personal property up to $5,000 included Debris removal included as a standard feature Property CAT exposure options available General liability extensions with aggregate limits per location and automatic additional insured language General liability rated on a per-site basis for community owners Underwriting Notes and Minimum Premiums Minimum premiums start at $500, making the program accessible for a wide range of accounts. OnPoint Underwriting has pricing authority with multiple carriers, allowing for tailored solutions and efficient quote turnaround. Territories and Availability The Mobile Home Dealers Insurance Program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With OnPoint Underwriting With deep expertise in the mobile home dealer sector, OnPoint Underwriting and Spectrum Wholesale provide agents with access to competitive markets, flexible underwriting, and responsive service. Their long-standing carrier partnerships and in-house authority make them a trusted partner for placing complex or specialty risks in this niche industry. For additional information, please contact Jackie Miller at [email protected] or (602) 494-6733, or visit www.onpointunderwriting.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home dealers, RV parks, and manufactured housing communities with owned rental units. It also works well for accounts with open lot exposure or CAT property risks. Is the program available in coastal or CAT-prone areas?Yes, through a Coverholder agreement with Lloyd’s of London (Ascot), the program can place CAT property coverage, including in coastal states like Florida. What optional coverages are available?Optional coverages include automobile, umbrella, RV park liability, and general liability extensions with per-location aggregates and automatic additional insured wording. What is the minimum premium for this program?The program has a minimum premium of $500, making it accessible for smaller accounts as well as larger operations. Which carriers are involved in this program?The program accesses several A-rated carriers, including StarNet, Gemini, Lloyd’s (Ascot), Chartis, ACE, and Allied Insurance. Need help placing an account? Connect with a market specialist.