You come to Florida to enjoy the good life–let us help.
Mobile home park property and liability insurance to protect you and your community.
Insurance for resident-owned mobile home parks is a specialized program designed to cover the unique risks of managing and living in a community-owned park.
This type of insurance typically includes coverage for property damage to shared structures and common areas, liability protection for accidents or injuries on the premises, and Directors & Officers (D&O) liability coverage which protects those entrusted with governing the park. These coverages help to maintain the financial stability of the community by protecting both the park and its residents from unexpected events or disasters.
Each mobile home park has distinct coverage needs. Common coverages in addition to those listed above include:
- Ordinance or Law: Covers the cost to remove damaged property and rebuild to the current building codes after a covered loss.
- Business Auto: If your park has a business auto exposure, such as a park-owned vehicle, or where an employee or board member uses their own vehicle for park business, auto insurance is a must.
- Work Comp: If your park has employees for tasks such as groundskeeping, maintenance, or office management, workers’ compensation insurance is also essential as it provides benefits to employees who sustain work-related injuries.
- EPLI: Employment practices liability insurance (EPLI) can protect you from lawsuits related to hiring practices, discrimination, or harassment claims.
- Crime: Employee dishonesty coverage protects the park from theft of park monies and securities by those charged with their care.
- Cyber: Cyber liability insurance is becoming increasingly important to safeguard your tenants’ personal data in case of a breach.
- Business Income and Extra Expense: This valuable coverage can help when your park is affected by a covered loss (ex, wind or fire) by replacing the lost income and covering the extra expenses that might arise.
- Inland Marine: This is coverage for equipment such as lawn mowers, tractors, golf carts, etc.
Ready to protect your business with mobile home park insurance? Contact us today to discuss your coverage options.
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