Philadelphia Insurance Companies (MHC program)

Philadelphia Insurance Companies (PHLY) designs, markets and underwrites commercial property, casualty and professional liability products for defined classes of business. Mobile home park owners and RV parks and campgrounds are two of the classes on its published product list, alongside condominium associations, homeowners associations and PUDs.

Coverage is placed through independent agents and brokers, who enter new business through the MyPHLY submission portal; the carrier reports that straightforward submissions can be approved automatically and that referred ones go to underwriters. Policyholders also get risk management resources at no extra cost, including the PHLYRMS programme and, for management and professional liability insureds, a gateway of loss-prevention material built with an outside partner. Claims are reported online for faster handling.

PHLY says it covers more than 120 specialised business markets, employs more than 2,100 people across the country, and reports a 96.7% overall claims satisfaction rating. It is a member of the Tokio Marine Group and describes itself as a top-20 US property/casualty carrier based on a June 2023 AM Best report on net written premium. Its metro office is at One Bala Plaza in Bala Cynwyd, Pennsylvania.

Nothing is sold direct, and availability varies by state: the small business owner's policy, for example, lists the specific states where applications are accepted. Ask an appointed agent for the manufactured housing or RV park forms, the limits available in your state, and whether your operation fits the underwriting appetite.