Your Campground or RV Park has one-of-a-kind features, so let us safeguard it with an expertly crafted policy specially designed to protect you from any potential risks.
Our custom tailored insurance solutions will provide the peace of mind that ensures your business thrives for years and decades to come.
Canadians have long enjoyed the thrill of camping in the wild and exploring Canada's many wonders from their RVs.
With over 4,300 campgrounds and RV parks across the nation offering a wide range of exciting experiences for campers, it is no wonder why so many Canadians embark on camping trips every year.
According to data from Statistics Canada, the number of Canadians who went camping in 2021 was approximately 15.1 million, representing about 41% of the population. The majority of these campers (75%) camped in Canada, while the remaining 25% camped in the United States or internationally. The most popular type of camping among Canadians was tent camping, followed by RV or trailer camping and cabin or cottage rentals.
Campground and RV park owners should be aware that insurance coverage can provide invaluable protection in unforeseen circumstances such as unexpected bodily injury claims or weather-related catastrophes; giving them peace of mind when welcoming visitors on premises.
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Campground and RV insurance is a type of insurance designed specifically for individuals who own recreational vehicles (RVs) and use them to stay at campgrounds or other temporary living arrangements while traveling. This type of insurance is designed to provide protection against a wide range of risks, such as damage to the RV, liability for injuries or damages caused to others, and theft or loss of personal property.
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.
When comparing campground and RV insurance, there are a few key factors to consider:
Coverage: Make sure that the insurance policy covers the types of risks that are most relevant to your specific situation. For example, if you frequently travel to areas with harsh weather, you'll want a policy that covers damage caused by storms or other natural disasters.
Cost: Compare the cost of different insurance policies to determine which one offers the best value for your money. Keep in mind that cheaper policies may not always offer the same level of coverage as more expensive ones.
Deductibles: Consider the deductible amount for each policy. A higher deductible means that you'll have to pay more out of pocket before the insurance company will cover the remainder of a claim.
Reputation: Research the reputation of different insurance companies to ensure that you're working with a reputable and reliable provider. Look for reviews and ratings from other customers to get an idea of how the company handles claims and customer service.
Policies: Make sure to carefully read through the terms and conditions of each policy to understand exactly what is and isn't covered. Look for exclusions or limitations that could affect your coverage.
There are some insurers that offer specific programs tailored towards campgrounds and RV parks that offer enhanced coverages tailored to your operations. Talk with Summit today to learn more.
f you are using a booking platform to rent out your campground or RV park, it's important to consider the risks and liabilities associated with hosting paying guests.
t's also a good idea to have clear policies and procedures in place for handling accidents or incidents that may occur on your property. This can help to minimize the risk of legal action being taken against you and can protect you in the event of a claim being made against your insurance policy.
Finally, it's important to carefully read and understand the terms of service for the booking platform you are using, as well as any contracts or agreements you have with guests. This will help you to understand your responsibilities and obligations as a host, and can help you to avoid any misunderstandings or disputes.
If you want to work with a commercial insurance brokerage that puts people first and values transparency, sustainability, ownership, and impact, then Summit is the right choice for your business insurance needs.
At Summit, we craft innovative insurance solutions that are custom tailored to your business, giving you the confidence you need to succeed. Our team is dedicated to building trust and creating value through open and honest communication. We are in it for the long haul and strive to make a positive impact in everything we do.
So if you want a business insurance partner that shares your values and is committed to helping you succeed, consider working with Summit.
Campground and RV park insurance is a type of insurance that provides coverage for businesses that operate campgrounds and RV parks. It can help protect your business against a variety of risks, including:
Property damage: If your campground or RV park suffers damage due to a covered event, such as a fire or storm, your insurance policy can help cover the costs of repairs.
Commercial General Liability: If a guest is injured on your property and sues your business for damages, your insurance policy can help cover the costs of defending against and settling the claim.
Business interruption: If your campground or RV park is forced to close temporarily due to a covered event, your insurance policy can help cover your lost income during this time.In addition to these types of coverage, campground and RV park insurance policies may also include coverage for medical payments, theft, and other perils.
By purchasing a campground and RV park insurance policy, you can help protect your business from financial losses and provide peace of mind for you and your guests.
Campgrounds and RV parks can have a wide range of amenities that may need to be insured, depending on the specific features and services offered. Some common amenities that might need insurance coverage include:
Swimming pools and hot tubs
Playgrounds and recreational equipment
Clubhouses or community centers
Showers and restrooms
Electrical and water hookups for RVs
Wi-Fi or internet access
Convenience stores or gift shops
Rentals of bikes, boats, or other recreational equipment
In addition to these amenities, campgrounds and RV parks may also offer additional services or activities, such as guided tours, nature walks, or other outdoor recreational experiences. These activities may also have their own insurance requirements to protect against risks or liabilities.
It's important to carefully assess the amenities and activities offered at your campground or RV park and to work with your insurance broker to determine the insurance coverage needed to protect against any potential risks or liabilities. This may involve purchasing additional insurance policies or endorsements to your existing insurance coverage.
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:
Services and amenities provided
Number of employees