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S & S Insurance For Manufactured home parks
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Comprehensive Solutions To Protect You
Manufactured home parks face daily risks that can quickly become costly if insurance is not properly structured. Fire, wind, snow load and winter pipe bursts can damage homes, park-owned buildings, utility lines and common areas, while aging infrastructure increases the chance of water, sewer and electrical failures. As your insurance broker, the first step is understanding your park layout, occupancy, age of units and critical systems so coverage limits and deductibles align with real-world replacement costs. Policies can be designed to protect park-owned property, site infrastructure, signage, fences and shared facilities, along with commercial general liability for injuries or property damage involving tenants, guests or contractors. The goal is straightforward: build a practical, affordable safety net around the risks you manage every single day.
Comprehensive insurance for manufactured home parks in BC typically combines several policy components into one coordinated program. Property insurance can cover park-owned buildings, utility sheds, office structures, roads, and key infrastructure such as water, sewer and electrical distribution systems, subject to policy terms. Commercial general liability responds to third-party bodily injury or property damage claims arising from slips and falls in common areas, trees or signage falling, or alleged negligence in park maintenance. Business interruption or loss of rental income coverage helps replace lost pad fees if an insured event forces homes to be vacated or sections of the park to close while repairs are completed. Optional enhancements can include equipment breakdown, crime coverage, flood or earthquake options, and higher liability limits to satisfy lenders or regulatory expectations.
Manufactured home parks in British Columbia see several recurring claim scenarios that highlight why tailored coverage is essential. Fire losses, whether starting in a unit, park-owned building or utility shed, can trigger property claims for structural damage, debris removal, and repairs to impacted infrastructure. Windstorms or heavy snow may damage roofs, carports, trees and power lines, leading to claims for property repairs and additional living expenses if residents must temporarily relocate. Water-related incidents such as burst pipes, failed connections or sewer backups can affect multiple pads at once, with coverage responding to repair damaged areas and, where included, handle loss of rental income. Liability claims can arise from slips and falls, fallen trees, unsafe common areas or maintenance disputes, with commercial general liability paying for legal defence and eligible settlements or judgments, subject to limits and deductibles.
Coverages Available For You
Business insurance safeguards against unexpected incidents like property damage or legal claims. Protect your company’s future with tailored insurance solutions.
Business interruption insurance replaces lost income and covers expenses when your BC business is forced to close due to a covered event like fire or natural disaster.
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Protect your business assets with comprehensive coverage for property damage and loss.
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