Open Lot

Open Lot/Commercial Physical Damage Program


Open Lot insurance provides coverage for inventory held for sale and display models for retailers.  This includes the following types of dealers: Mobile or Modular Home, ATV, Camper/RV, Golf Cart, Moped, Motorcycle, Snowmobile, Stock/Utility Trailer, Watercraft and more.

Commercial Physical Damage is for Manufactured Housing Communities and provides coverage for manufactured homes that are rented to others for living purposes.  We also cover portable trailers.


Key Features

  • Reporting and non-reporting form options
  • No policy limit restrictions
  • Deductible options from $500 to $10,000

  • Coverages

  • Comprehensive form
  • Named peril form
  • Collision
  • Including or excluding wind/hail/flood
  • False pretense: options from $25,000 to $300,000
  • Debris removal $5,000 included
  • Preservation of property $500 singlewide/$1,000 multi-sectional included
  • Separate wind/hail/flood deductible available

  • For complete product information or to obtain a quote, please contact Lori VanderWall at 1-800-866-0777 or click here


    If you would like to complete and submit an application online, please see the available forms below.

  • Acord 125 Commercial Insurance Application
  • Acord 140 Property Application