Home > Campground and RV Park Insurance Guide > Camp Ground Operators

This page is part of the broader Campground and RV Park Insurance Guide. Understanding campground operators insurance is crucial for protecting your business. This insurance is closely related to RV Parks and Campgrounds Owners Liability and provides essential coverage that can safeguard your investment from unexpected events.

Those who own campgrounds or RV Parks require campground operators insurance. Is your campground covered with full campground insurance? Read on to get a basic understanding of campground operators insurance, or get expert advice from an insurance professional local to you by filling in a simple request for quote/information form.

Campground insurance protects you from possible lawsuits that may not even be your fault as a campground owner. You don’t want to be caught without insurance in the event of a liability claim or lawsuit.

If you own a campground or an RV resort, it’s important to learn about and understand campground insurance and your insurance options. This guide will look at the basics of campground insurance, what you need to look for when you buy this type of insurance, and how to obtain it.

What Is Campground Operators Insurance?

If you own and operate a campground or RV park, it is essential that you protect your business. All businesses need to be protected in the case of an unexpected event like a natural disaster or another accident. In some unfortunate situations, there can also be problems with liability claims at places like campgrounds.

For example, if you have a campground where families come to stay and an accident occurs where someone is injured on your campground and requires expensive surgery and time away from work, lost wages, and other expenses, it is possible that they can sue your campground or you personally for this unfortunate event. If that is the case, liability claims like these can be easy for someone to win. But if you have proper liability insurance and other coverage for your campground, you will be completely covered so that you do not have to close your campground and suffer extreme financial losses.

Campground operators insurance will cover liability claims like this, but it will cover other types of potential losses for your campground or RV resort as well. Natural disasters like fires, tornadoes, hurricanes, and floods can also cause severe damage to the campground and the equipment that you own to run your campground. If this happens, again, you may end up in financial ruin. Coverage for these accidents and unexpected events can save you and your business from going under.

For a more detailed breakdown of policies tailored for campground owners, you can explore Campground Operators Insurance options that match your facility's needs.

Who Needs Campground Operators Insurance?

There are several different groups and types of campgrounds who will require campground insurance. They are as follows:

Year-round campgrounds, seasonal campgrounds, and long-term lot leases

Campgrounds that operate all year round, seasonal campgrounds, and campgrounds that offer long-term leases to customers and visitors are the first type of campground owners and operators that will require this type of insurance. For example, if you live in an area that has harsh snows in the winter but you open up your campground in the summer for visitors from all over the United States, you will need campground insurance. On the other hand, if you live in an area where your campground is open all year round and every month of the calendar year, you will likely also need campground insurance.

Franchise campgrounds

In the United States, there are certain campgrounds that are owned by large corporations, and individuals or small companies own franchises in their local areas. If you have a franchise campground, you also need to have campground insurance for your franchise.

In this case, however, remember that you may be able to get campground insurance through the franchise company. But this is not always the case, so you should always check with your direct manager to see whether or not you need to purchase your own particular policy for your own particular franchise. This will vary from campground to campground.

Tent camping campgrounds

Just like other types of campgrounds that offer places for RVs or cabins, tent camping grounds need to have insurance as well. Many operators of tent campgrounds don’t think that they need insurance because this is a type of campground that offers more autonomy with visitors. Campground owners and operators usually do not interact with guests at campgrounds like these very often, but it is important to remember that insurance is just as important in these types of campgrounds.

RV parks and RV campgrounds

Like tent campgrounds, some owners of RV campgrounds and RV parks do not think that they need to have insurance for their park because of the autonomy of the visitors who come to stay with them. It is rare for campground owners of these locations to interact on a regular basis with the RV owners who visit their location, but they are still liable for certain aspects of the campground, and they can still experience claims made by individuals who were injured or had property injured on the campground site. It is important to make sure that you’re protected at all times.

You can also compare options available for RV parks by visiting Insurance for Campgrounds.

What Are the Types of Coverage Options Available for Campgrounds?

There are various types of coverage options available to different types of campgrounds. Most campgrounds have the same types of coverage available to them, but actions and policies will vary, so it is always important to speak with a representative working for the insurance agency that you are going with to make sure that you understand your policy in full and have all of the coverage options that you need. With that being said, let’s go over some of the main types of coverage options that you have for your campground:

Property Insurance

Property insurance is probably the biggest area of insurance that you want to make sure that you have coverage for with your campground. Property insurance protects your property. Sounds simple, right? But remember that there are limits to property insurance. For the most part, property insurance on a campground will cover your general property as well as the buildings on your property. But other things that you own, such as business vehicles, belongings on your property, special facilities on your campground property, and more may not be covered. Again, it is important to speak with your insurance agent so that you know you will be covered under your property insurance policy.

Business Liability Insurance

Another huge area of insurance that you will want to make sure that you have coverage for with your campground is business liability insurance. Generally speaking, this covers your business (your campground) from liability claims made by visitors or anyone else who comes to your campground.

Here’s an example: let’s say that a visitor comes to your campground and takes a shower at the bathhouse that you have on-site. If they slip and fall in the bathhouse on a puddle of water that shouldn’t have been there, they may incur serious injuries that will require them to take time off from work, lose wages, and possibly need surgery or even end up with a disability. If this happens, they may decide to file a lawsuit against you because they were injured on your property. This can potentially cost you your entire business and all of your finances. You do not want your business to go under, which is why you should get liability insurance as a first line of defense for these situations.

Theft Coverage

Coverage from theft is another important part of owning a campground. Theft happens frequently. Individuals may hop the fence of your campground and steal your property, or it may be caused by guests themselves.

Workers Compensation Insurance

If you have numerous workers on your premises, you will need to have workers compensation insurance so you are covered in the event of injury to one of more of your workers or individuals who are employed by you or your company.

Business Auto Insurance

Finally, remember that if you have vehicles that you operate in your business, these will not be covered anywhere else on the insurance types listed above, and you will need your own special type of insurance for business automobiles and their operation.

Frequently Asked Questions

What does campground insurance typically include?

Most policies include general liability, property coverage, theft protection, and optional coverage for facilities like bathhouses, pools, and playgrounds.

Do I need insurance if my campground is only open seasonally?

Yes, even seasonal campgrounds face risks such as property damage or guest injuries during the months they are open.

Can I get coverage for accidents involving pets or fire rings?

Some insurers offer optional coverage for pet incidents, fire ring-related injuries, and other campground-specific risks.

Is workers compensation required for my campground employees?

If you employ staff, workers comp is typically required to protect against employee injury claims on the job.

How do I get a quote for campground insurance?

You can request a quote online by filling out a simple form with details about your campground operations.

Still have questions? Talk to a local insurance expert.