Western Insurance Agency Inc

Commercial

COMMERCIAL COVERAGE FOR DEALER INVENTORY

The Commercial Physical Damage (CPD) policy complements a business' liability and property policy by protecting risks specific to your resale inventory.

  • Manufactured home
  • Motorcycle/ATV
  • Recreational vehicle
  • Boat or PWC
  • Travel trailer / misc. trailer
  • Snowmobile

Choose from Named Peril or Comprehensive coverage

Named Peril policies include coverage for fire and smoke, vandalism, theft, flood, hail and wind, falling damage and other risks specified in the policy.

Comprehensive coverage adds risk or direct and accidental loss, unless the cause is specifically excluded in the policy.

We include these hard to find coverages for no additional premium

  • Debris removal up to $5,000
  • Fire department service charge up to $5,000
  • Preservation of property (up to $500 singlewide, $1,000 multi-sectional)

Upgrade the policy to enhanced coverage for collision, false pretense, or loss of economic value (in some states).

Select a reporting option that fits your customer’s business: non-reporting, monthly reporting with a monthly premium adjustment, or monthly reporting with an annual premium adjustment.

COMMERCIAL COVERAGE FOR MULTIPLE RENTAL DWELLINGS

One policy, one payment, one renewal date

American Modern’s Scheduled Rental Dwelling program simplifies insurance for a property portfolio with one policy, one payment, and one renewal date. This commercial program is designed for a real estate investor looking to consolidate insurance coverage, eliminate coverage duplication and simplify management.

  • Ten or more rental or vacant dwellings
  • Single family or up to 6-family dwelling, valued up to $1 million
  • ACV or replacement cost settlement
  • Coverage for building structure, business personal property, business income/rental value, scheduled equipment, crime, inland marine, earthquake.
  • Premises liability up to $1 million – $5 million via excess program
  • Flexible deductible from $500 to $10,000
  • Co-insurance from 80 to 100 percent
  • Basic form, Broad form or Special form

COMMERCIAL COVERAGE FOR MANUFACTURED HOME RENTALS

Manufactured housing's flexibility make it useful for many purposes. American Modern writes commercial coverage for a manufactured home rented out as a:

  • Residence
  • Animal trailer
  • Office
  • Storage unit
  • Portable construction unit

Our coverage includes other structures on the property, like a shed or unattached garage. In most states deductibles range from $500 to $10,000. There is no restriction on the number of units or the policy limits.

Add to the policy

  • Business personal property protection for business equipment if the housing is used as an office.
  • Reasonable repairs expense coverage for temporary repairs to guard against further damage initially caused by a covered event.
  • Trip collision coverage during the move to the unit's site.

WE ALSO INSURE

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