NAICS UNIVERSITY · Free research for insurance agents
Manufactured Home (Mobile Home) Manufacturing
NAICS 321991 · United States · 2022 edition
This U.S. industry comprises establishments primarily engaged in making manufactured homes (i.e., mobile homes) and nonresidential mobile buildings. Manufactured homes are designed to accept permanent water, sewer, and utility connections and although equipped with wheels, they are not intended for regular highway movement.
Start the review with product liability.
For Manufactured Home (Mobile Home) Manufacturing, the saved research highlights product liability, workers' compensation, fire. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many units are produced annually, and what is the average selling price per unit?
- Does the operation include installation or setup of units at residential or commercial sites, or is delivery limited to dealer lots?
- What quality control and inspection processes are in place during production?
- Is the facility sprinklered, and what is the protection class?
- Does the company carry any manufacturer's warranty program, and what is the scope of warranty obligations?
- Are finished units transported on company-owned equipment or contracted carriers?
- For Manufactured Home (Mobile Home) Manufacturing, what should the underwriter know about prior product liability claims related to structural defects, mold, or habitability issues in delivered units?
- For Manufactured Home (Mobile Home) Manufacturing, what should the underwriter know about large volumes of units in transit simultaneously, particularly under dealer-consignment or contingent ownership arrangements?
Activities described by this code
Other activities to examine
- Manufacturing prefabricated wood buildings not equipped with wheels: 321992 — Prefabricated Wood Building Manufacturing
- Manufacturing travel trailers with self-contained facilities for storage of water and waste: 336214 — Travel Trailer and Camper Manufacturing;
- Setting up manufactured homes (i.e., mobile homes) at the construction site: 238990 — All Other Specialty Trade Contractors
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Manufactured home manufacturers build factory-constructed residential and nonresidential mobile structures on permanent steel chassis with wheels, designed for site placement with utility hookups. Operations involve wood framing, roofing, insulation, interior finishing, electrical and plumbing rough-in, and final assembly — all within a large production facility. Finished units are transported by truck to dealer lots or installation sites.
Questions to investigate
- How many units are produced annually, and what is the average selling price per unit?
- Does the operation include installation or setup of units at residential or commercial sites, or is delivery limited to dealer lots?
- What quality control and inspection processes are in place during production?
- Is the facility sprinklered, and what is the protection class?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.