Campground and RV Park Insurance.

Campground and RV park insurance is designed to cover the costs associated with damages to your property resulting from severe weather, as well as claims against your business alleging bodily injury or property damage. For example, if one of your visitors is injured on premises or if their possessions are damaged on your property, you could be held liable.

If your campground or RV park has a restaurant, bar, or general store on the premises, and any commercial appliances like a refrigerator breaks down because of a mechanical or electrical issue, equipment breakdown insurance may cover the costs to repair or replace it, as well as any food and drink spoilage up to a specified limit.

Every seasonal or year-round privately owned campground or RV park features unique services, facilities and risks. We can help you assess the potential risks associated with the amenities and features your business provides to its visitors, including:
Swimming areas (pools and beaches) as well as docks, inflatables, or equipment you rent
Boat rentals such as jet skis, canoes, kayaks, and paddle boats
Fishing and fishing gear rentals
‍Playgrounds, mini-golf courses, tennis courts, horseshoe pits, picnic areas
RV hookups for sewer, water, and electricity
Fireworks displays
Horse or tractor hayrides
A restaurant, bar, or general store
Laundry and shower facilities

Also, consider any coverage you may need for your business’s buildings, equipment, and contents. A comprehensive insurance package for campground and RV parks may include the following coverages:
‍Commercial General Liability (CGL) Insurance: Commercial general liability insurance, best known as slip-and-fall insurance, protects you against the day-to-day risks that can happen when interacting with third parties, such as claims of bodily injury or property damage. It is designed to protect your campground or RV park and typically covers legal expenses and medical fees resulting from a lawsuit.
‍Product Liability Insurance: Product liability coverage is usually included in a commercial general liability policy. It protects against claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, rent, or sell to a consumer, including things such as watercraft, equipment or food.
‍Cyber Liability Insurance: Cyber liability insurance is one of the most critical coverages to have as you have lots of customer data, especially if you are accepting reservations online. Cyber liability insurance covers costs associated with electronic incidents, such as cyber-attacks on your computing systems.
‍Commercial Property Insurance: Commercial property insurance protects your establishment, as well as its contents (including your inventory) from insured risks that occur beyond your control, like a fire, theft, or flood. Carrying commercial property insurance gives you the option of getting business interruption coverage, which reimburses the net income lost following an insured event. It may also cover overhead costs, employee wages, and other costs associated with temporarily closing your business. However, business interruption coverage does not cover income lost due to a pandemic, infectious disease, or government-mandated closure.
‍Equipment Breakdown Insurance: Equipment breakdown insurance covers the costs to repair or replace professional equipment such as commercial kitchen appliances in an on-site restaurant or bar that break or are damaged because of a mechanical or electrical issue. You must have commercial property coverage to purchase equipment breakdown insurance. One thing to note: it does not protect your equipment from damage against external sources such as a fire or flood. It is commercial property insurance that covers damages from these types of perils.

Campground and RV Park Insurance should never be sold solely on price. You are protecting your most important asset. Our mission is to find you the perfect coverage but also find the best priced policy with that coverage.
The exact cost for your insurance policy varies according to factors such as:
Revenue
Operation size
Location
Services and amenities provided
Past claims
Number of employees