Mobilehome park owners naturally want to have their parks fully insured when outside parties are performing services. Many parks also require residents to name the park as an additional named insured in the individual tenant’s homeowner insurance policy.
However, many park owners are under the mistaken belief that simply being provided a certificate of insurance by a contractor or a resident is sufficient. Beware! A certificate of insurance is NOT identical with being provided documentation that the park is, in fact, an additional named insured. Frequently a certificate of insurance is nothing more than confirmation that the contractor or resident has insurance. When asking for proof of insurance, please review the documentation provided carefully to be sure it actually sets forth that the park is an additional named insured.