Get covered, Get the best rates, Ellie Insurance Group for your mobile home dealership.
What does mobile home dealership insurance cover?
Being a manufactured housing dealer, you have invested a substantial amount of capital in your manufactured housing business. The potential cost of a hurricane, severe hail storm, consumer claim, or on-premises injury could put you out of business if you are not properly insured. Using our specialized agents who are seasoned and trained in mobile home dealer’s insurance will limit the vulnerability of your investment, and trust the protection of your business to the Ellie Insurance Group representatives who understand your risk. We can provide manufactured housing dealers insurance coverage that will minimize your risk in all areas that specifically impact your business.
Manufactured housing dealer, whether a manufactured home sustains damage due to the weather or a human mishap, on or off your property, your general liability & commercial property insurance policy will cover you in case of the following:
- Liability Due to Negligence
- Wind
- Hail
- Flood
- Fire
- Lightning
- Explosion
- Transportation
- Theft
- Riot or Civil Commotion
What are the risks of running a manufactured home dealership?
First and foremost, because your Mobile Home dealership has all or most of your inventory at a single property, there are many risks involved. For example, your inventory could be stolen, vandalized, or damaged by weather, like hurricanes, tornados, wind, or hail all of which could result in lost revenue or worse if you don’t have coverage. You should consider these risk factors when developing your insurance policy.
Why do you need dealers’ open lot/builders’ risk coverage?
Your business relies on the inventory you have, so protecting it is vital. Also known as Builders Risk liability insurance, it helps protect your inventory from damages caused by named perils under your specific policy.
Why do you need a Mobile Home Dealer Surety Bond?
In order to be properly licensed and compliant to sell mobile homes, most states require a surety bond to be purchased at a minimum of $25,000. Bonds are quoted based on credit and can be as little as $75 a year with Ellie Insurance Group!
Do you need Business interruption insurance?
Don’t let damage to your property prevent you from earning revenue and paying your bills. This coverage protects you against the loss of income incurred during a period of restoration when your business can no longer operate due to a fire, windstorm, or other covered perils. If your mobile home dealership stops operating you still have bills to pay and get business interruption coverage. Regardless of whether your manufactured housing insurance policy is comprehensive or based on a specific peril or exposure to risk, you will be put at ease knowing that you have been protected with the coverage Ellie Insurance Group offers.
General Liability isn’t enough we recommend something more.
While your business may be in a unique space, the insurance coverages you need to safeguard your business aren’t. For instance, workers’ compensation insurance offers coverage to your employees should they become injured while on the job. Commercial property insurance helps protect the buildings and assets on your property, making it an important coverage to have. And finally, cyber liability insurance is a must if you store customer information on your computer systems, which could turn into a lawsuit if that data is stolen.
Mobile Home Dealership Insurance Premier Program, Who Qualifies?
- Located in Texas, Florida, & South Carolina, North Carolina & More
- Mobile Home Dealer
- Manufactured Home Dealer
- Mobile Home Manufacturer
- Motorcycle Dealer
- Motorcycle Shops
- Repair Shops
- Oil and Lube | Tire Centers
- Powersports Repair and Service
- Heavy Equipment Repairs
- Transmission Repairs
- Muffler Shops
- Brake Repair Shops
- Radiator Service
- Full-Service Carwash – including automated, hand-wash, and self-service
- After Market Part Installers
- Alarm and Radio Installers
- Marine Repairs, Both Mobile and In-Shop
- RV Dealership
- RV Repair & Maintenance
- Golf Cart Repair and Service
- Golf Cart Sales
Mobile Home Dealers Program Highlights and Options
- Business Interruption – Protects your business from loss of income in the event your business is closed due to a covered loss.
- Commercial Property Insurance – Protects property you own for perils such as fire, wind, theft, and vandalism.
- Workers Compensation – Wage replacement and medical benefits to employees injured on the job.
- Errors and Omissions – Protects your business from claims caused by negligent acts, errors, or omissions.
- False Pretense Coverage – Protects against losses due to voluntarily parting with a vehicle If induced to do so by any fraudulent act, scheme, trick, or purchasing the auto/boat/ATV/etc. from a seller who did not have legal right.
- Diminished Value Coverage – Allows you to recover the diminished value of a car/boat/ATV/etc. after a covered loss.
- Employment Practices Liability – Protection against wrongful termination, discrimination, sexual harassment, etc.
- Employee Benefits Liability – Coverage against damages caused by your business negligent handling of your employee benefits program.
- Surety Bond (Also referred to as a Mobile Home Dealer Bond)
Bond that is designed to protect customers and the state against a dealership committing fraud. - Blanket Dealers Open Lot up to $2 Million Dollars – Inventory coverage for both new and used inventory.
- Garagekeepers – Protects customer’s auto/boat/vehicle. when you are keeping it at a covered location.
- Scheduled Auto’s – Liability and/or physical damage for vehicles owned by the business.
Choose Ellie Insurance Group for your Mobile Home Dealer Insurance Needs
Don’t let mobile home dealership insurance get complicated use our seasoned agents who are trained and licensed to make sure your shop or dealership is properly covered. Work with our experienced team to make sure that you get the protection you need at a great rate. Ready to get a great insurance quote with our premier mobile home dealer program? Call us for a quote at 813-582-5215.
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