Mobile Home and Manufactured Housing dealers have a number of risks to consider when searching for the right Mobile Home Dealer Insurance package. These risks may range from weather related to consumer related claims.
At Ables Insurance Agency, we can help design a policy to fit your needs as a mobile home dealer. Our insurance agency has been in business for several decades and understand the coverage requirements that mobile home dealers need to have on their business.
Potential Risks as a Mobile Home Dealer
Wind, lightening, hail or flood – storms can pop up without notice and you will need a proper cover insurance package to protect you during these times.
Fire or explosion – this kind of catastrophic loss can occur for a number of reasons and you need to be protected.
Theft – you policy should protect you against theft from inside or outside your organization.
Consumer Complaints – dealing with customers is an every day occurrence as a mobile home dealer. Make sure you are protected against uncommon complaints and situations that may arise during the course of business.
Coverages
General Liability – as a general rule this is the most basic type of insurance to protect you and your business for injury on your property, by use of your products or your general operations.
Workers compensation – most all businesses need to consider workers compensation which helps your company cover medical expenses and salaries when employees are injured on the job.
Open lot and Builders risk insurance – as a manufactured home dealer you often have a large number of homes on your lot. This insurance protects those unsold homes if the inventory is damaged.
Commercial auto – should you own vehicles in your company, this type of automotive insurance is required in case of an accident.
Hired / non-owned auto liability – this coverage protects you as a business owner should an employee use their own vehicle for your business.
Loss of Income – in the case of an event that prevents you from earning revenue, this coverage can help.