Mobile Home Parks or Courts

What Does GL Code 46202 Cover?

ISO GL class code 46202 covers the operations of mobile home parks or courts, which provide spaces or lots for mobile homes, often including common areas, utilities, and recreational facilities. This code classifies businesses responsible for the maintenance and management of these communities, addressing general liability exposures arising from property ownership and tenant activities. It encompasses the risks associated with shared amenities and the general upkeep of the park environment.

Who Uses This Class Code?

Operators of mobile home parks, manufactured home communities, RV parks that primarily host mobile homes, and land lease communities for residential manufactured housing. This includes property management companies specializing in mobile home park operations and individual owners managing their own parks.

Common GL Claims for This Class

Common claims include slip-and-fall incidents in common areas like clubhouses or sidewalks, injuries sustained at recreational facilities such as swimming pools or playgrounds, and property damage caused by inadequate maintenance of park infrastructure like utility lines or trees.

Coverage Tips for Code 46202

• Ensure your policy includes coverage for swimming pools, playgrounds, and other recreational facilities if offered within the park, as these are common sources of liability.
• Verify that all park rules and regulations are clearly communicated to residents and enforced consistently, as this can mitigate claims related to tenant disputes or negligence.
• Implement a robust maintenance schedule for common areas, utilities, and infrastructure to prevent slip-and-fall incidents or property damage claims arising from neglect.
• In Florida, be aware of specific regulations regarding hurricane preparedness and storm shelters for mobile home parks, ensuring your liability coverage accounts for these unique risks.