We specialize in manufactured home community insurance, but we offer auto, home, and life insurance to our Michigan clients
Our Independent insurance Agency Provides Michigan Residents with Manufactured Home, Automobile, Life, and Home-owners Insurance
 


Unique Coverage and Exposures for Manufactured Housing Retailers

Product Liability -- In communities sales operation retailers must be aware of product liability limitations. The standard general liability states coverage for product liability "occurring away from the premise you own or rent arising out of your product or your work." We make sure that our policies endorse language to correct the exposure for selling homes or any other product that remains on the premise.

Employment Practices Liability - Most communities had minor exposure for employment practice coverage. However, with the addition of adding third-party (Customers) to EPLI policy, this coverage becomes much more advisable. Areas such as discrimination, sexual-harassment and humiliation can be covered. Premiums now start at $750 making it affordable for most communities.

Auto Liability- Historically this is the largest loss for the manufactured housing retailer. Coverage for hired and non-owned autos is one of the most important for proper risk management. Other coverages such as "Drive other car coverage" and hired physical damage may be needed depending on operations.

Avoid Garage liability offers - Some companies still look at manufactured housing as "trailers." They will write a combined general liability and garage liability policy. This can have some very bad results. It is not uncommon to see an audit on GL & garage form policy take the premium from $3,000 to $23,000. Manufactured housing is "housing" and proper classification will not only save problems at time of liability loss but any unknown concern for future audits.

Business Income -Coverage to keep income flowing if stopped by an insured loss.

Extra Expense - This important coverage can help out when trying to maintain service after a loss. An example is setting up temporary office, moving phone lines and mailers of business operations on going. Anything that will help reduce the business income loss.

Open Lot - Our policies are designed for manufactured housing. Items such as coverage at temporary location, job locations, units used as offices can all be built in to the policy for effective coverage to cost.

Employee Dishonesty - Many operations have the manger or other key personnel handling money and securities. Most Employee Dishonesty claims happen over time with some lasting over a year before being discovered. Limits need to be reviewed for each operation and owner involvement.

Workers Compensation - Most states require this coverage no matter how small the exposure. Correct classification and certificate handling can greatly reduce costs. We will work with you to develop a proper file for audits.

Other areas:
  • Loan tracking on homeowners
    • Proper listing on homeowners policies for loss payee and additional insured
  • Rental home schedules
  • Bonds
  • Umbrella and higher limits

Unique Coverage and Exposures for Manufactured Housing Communities
Our Independent insurance Agency Provides Michigan Residents with Manufactured Home, Automobile, Life, and Home-owners Insurance Product Liability - As communities develop more into sales, they must be aware of product liability. The standard general liability states coverage for product liability "occurring away from the premise you own or rent arising out of your product or your work." We make sure that our policies endorse language to correct the exposure for selling homes or any other product that remains on the premise.

Drinking Water -- Standard general liability forms contain a total pollution exclusion. The problem comes in with communities providing drinking water and may be corrupted with chemicals or bacteria. We endorse a policy to provide coverage for drinking water.

Wrongful eviction - Standard in most general liability policies, however, this coverage is often overlooked and can play a key role in the community's risk management.

Storage Areas - Develop unique liability exposures for community owners depending on how they charge for use and security provided. Removing other people's property can develop additional liability that insurance needs to be enhanced for proper coverage.

Employment Practices Liability - Most communities had minor exposure for employment practice coverage. However, with the addition of adding third-party (Tenants) to EPLI policy, this coverage becomes much more advisable. Areas such as discrimination, sexual-harassment and humiliation can be covered. Premiums now start at $750 making it affordable for most communities.

Auto Liability - Historically this is the largest loss for the manufactured housing communities my family has insured. Coverage for hired and non-owned autos is one of the most important for proper risk management. Other coverages such as "Drive other car coverage" and hired physical damage may be needed depending on operations.

Business Income - Covering property of others has become easier in the last few years. This is needed to protect the owner of the manufactured housing community from large spread loss for wind storms or fire. Keep in mind, however, that replacing a home is different than replacing an occupied home. Many communities need to consider adding extended business income while working to obtain new tenants.

Extra Expense - This important coverage can help out when trying to maintain service after a loss. An example is sewer system breakdown, resulting in bringing in outside pumping trucks.

Debris Removal - Removing abandoned homes after a loss can get expensive. Coverage can be added in varying amounts to help with this costly operation.

Utility Service - Coverage for both direct and indirect should be reviewed. Power outages can bring a large loss in maintaining water and sewer systems.

Ordinance & Law - Most communities now have to comply with The Americans with Disability Act. Minor claims may result in removal of whole community centers to comply with building codes. Proper limits of insurance need to be maintained for the ordnance that is not covered in standard property coverage forms.

Employee Dishonesty - Many operations have the manger or other key personnel handling money and securities. Most Employee Dishonesty claims happen over time with some lasting over a year before being discovered. Limits need to be reviewed for each operation and owner involvement.

Workers Compensation - Most states require this coverage no matter how small the exposure. Correct classification and certificate handling can greatly reduce costs. We will work with you to develop a proper file for audits.

Other areas:
  • Loan tracking on homeowners
    • Proper listing on homeowners policies for loss payee and additional insured
  • Open Lot (see retailer section)
  • Rental home schedules
  • Bonds
  • Umbrella and higher limits.
View our available insurance coverage applications.





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