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What is campground and RV park insurance?

Campground and RV park insurance is a specialized business insurance policy designed to protect owners and operators from the unique risks associated with running an outdoor hospitality business, like campgrounds or RV parks. It combines various coverages into a single package to safeguard your property, guests and operations from financial losses due to accidents, property damage and liability claims.

Some of the risks campgrounds and RV parks face include slip-and-fall accidents, severe weather, vehicle collisions and even pollution.

What campground and RV park insurance includes

A typical campground and RV park insurance policy bundles these essential coverages:

• Commercial general liability (CGL): It protects your business if you're found legally responsible for bodily injury to a third party or damage to their property. For example, if a guest is injured by a falling tree branch on your property, general liability can cover the medical and legal costs.
• Commercial property: This covers the cost of repairing or replacing your physical assets – like buildings, equipment, and guest facilities – if they are damaged by events like fire, severe weather, theft or vandalism.
• Business interruption: It reimburses you for lost income if your business has to temporarily shut down due to a covered event, such as a fire that damages your main office. The coverage is often bundled with commercial property insurance.

Recommended add-ons for campground and RV park insurance coverage

Depending on your campground’s or RV park’s specific features, you may need additional protection, such as these:

• Equipment breakdown: Covers the cost of repairing or replacing essential equipment (like water pumps or electrical systems) after a mechanical or electrical failure.
• Cyber liability: Protects your business from financial losses caused by data breaches or other cyber threats, especially if you handle online reservations and guest data.
• Commercial auto: If you use vehicles for business operations, this coverage protects against accidents and liability.

Common types of campground and RV park insurance claims

Understanding common claims can help you identify potential risks at your own park or campground. Here are some examples:

• Guest injury: A guest trips on an uneven path and breaks their toe. You are held liable for the injury and sued. Thanks to your commercial general liability coverage, however, you are able to afford the necessary medical and legal fees.
• Property damage: Severe fire damages the main office building on your campground, which amounts to $20,000 in repairs. Your commercial property insurance fully covers the amount, while your business interruption coverage reimburses any lost income this might’ve caused.
• Data breach: Your RV park’s or campground’s server gets hacked, and your customers’ information is stolen. Your cyber liability coverage pays for helping you bring your systems back in order as well as any legal fees that may arise.

How much does campground and RV park insurance cost?

Depending on a multitude of factors, your campground or RV park insurance could end up costing you at $2,000 annually. However, this is a very, very rough estimate. The real cost could lower or higher depending on those highly personalized factors. Here are some of them:

• Type of coverage: More coverage means higher costs. If in addition to general liability and commercial property, you purchased cyber liability and equipment breakdown coverages, expect to pay more in premiums.
• Coverage amount: The higher the coverage limits, the more expensive the policy. For instance, you can opt of for a $2-million limit for your general liability coverage or you can increase it.
• Location: Areas prone to natural disasters (e.g., floods, wildfires, hurricanes) may have higher premiums. On the other hand, places closer to fire stations or hospitals may have lower premiums.
• Business size: Larger properties or more campsites mean more potential liability and may require more coverage, which can raise costs.
• Amenities offered: Pools, playgrounds, hiking trails or water activities can increase risk, and therefore, premiums.
• High-risk activities: Offering activities like zip-lining, ATV rentals or water sports can increase premiums due to higher liability risks.
• Year-round vs. seasonal operation: Campgrounds open year-round may have higher premiums than those operating seasonally, as the risk exposure is longer.
• Claims history: A history of frequent or severe claims can lead to higher premiums, as it indicates a higher risk to the insurer.

How to get the cheapest campground and RV park insurance rates

Finding affordable campground or RV park insurance doesn’t mean you have to compromise on coverage. Here are some tips to get you the cheapest rates:

• Bundle policies: Purchasing multiple insurance policies from the same provider often results in a discount.
• Increase your deductible: Choosing a higher deductible can lower your premium, but ensure you can afford the out-of-pocket cost if you need to file a claim.
• Maintain a good record: A claims-free history shows insurers that your business is low-risk, which can lead to better rates.
• Implement a risk management plan: Regularly inspect your property for hazards, maintain equipment, and establish clear safety rules for guests.