General Liability Insurance

General liability insurance is the foundation of every mobile home park operator's insurance program. It covers claims alleging that your negligence caused bodily injury or property damage to another person — whether that is a tenant who slipped on an icy walkway, a guest who was injured at your pool, or a third party whose property was damaged by a fire that spread from a common area.

Mobile home park general liability coverage must be structured to address the unique exposures of a residential community with shared infrastructure. Standard commercial GL policies written for office buildings or retail centers may contain exclusions that eliminate coverage for the most common MHC liability scenarios. A specialist policy covers slip-and-fall in common areas, utility failure-related tenant damage, recreational amenity injuries, and contractor-caused incidents.

Limits matter as much as coverage. A $1 million per occurrence limit may be adequate for a small community, but larger parks — particularly those with pools, playgrounds, and high-traffic common areas — should carry $2 million to $5 million per occurrence, supplemented by an umbrella policy. Contractors Choice Agency will help you determine appropriate limits based on your community's specific risk profile.