As the owner of a campground, you have the responsibility to protect your campers, their guests and their property. Insurance for campgrounds gives you the protection you need.
Eligible Campgrounds
Almost any private or publicly held campground, RV park or cabin rental business is eligible for insurance. Your facility can also be insured if you offer additional activities and amenities such as:
- Swimming
- Boating or canoeing
- Golf — regular or mini
- Playgrounds
- Horseback riding
- Hiking, biking or walking trails
- Inflatables
Types of Insurance for Campgrounds
Select from several common types of insurance for campgrounds. Your insurance agent will provide additional information about each type and which coverage your campground needs.
General Liability Insurance
General liability insurance covers property damage or bodily injury expenses that result from negligence or an oversight that is your responsibility. It can help pay legal defense costs and settlements if a third party is injured on your premises.
Optional coverages can be added to a general liability policy to match your operations. For more details about specialized liability options, see Campground Operators Insurance.
- Liquor liability
- Fireworks liability
- Personal and advertising injury
- Non-owned watercraft up to 51'
- Transmissible pathogens coverage
Property Insurance
Property damages to your campground can be expensive to repair. Property insurance pays for a variety of damage and can cover common challenges faced by campground owners.
- Equipment breakdowns
- Vacancy clause
- Damage to pavilions, shelters, tent platforms, boat racks and permanently installed playground equipment
- Emergency vacating expenses
- Business interruption
- Communicable disease
- Food contamination
Commercial Auto Insurance
Vehicles used for business around the campground or elsewhere must be covered with a commercial auto insurance policy. Personal auto policies typically exclude business use, so a commercial policy is needed for owned or hired vehicles and trailers used by the business.
Workers' Compensation Insurance
If employees suffer an injury or illness while performing work-related duties, Workers' Compensation insurance covers their medical treatment and related expenses. State requirements vary, so review your obligations with your insurance representative.
Theft Insurance
Theft insurance helps cover the cost to replace property or equipment stolen from your campground.
How to Purchase Insurance for Campgrounds
Your insurance agent will assist you in purchasing insurance for campgrounds. You will typically fill out an application and provide photos of your campground, financial records for the last five years and other information required by the insurer.
You can compare policy options for RV parks and campground liability at RV Parks and Campgrounds Owners Liability, and when you are ready, talk to an agent about the coverages that best fit your facility.
Frequently Asked Questions
What kinds of campgrounds qualify for insurance?
Most private and publicly held campgrounds, RV parks and cabin rentals qualify, including sites that offer recreational activities like swimming and boating.
Does general liability cover injuries to guests?
Yes — general liability typically covers bodily injury and property damage to third parties that result from negligence, subject to policy limits and exclusions.
Do I need commercial auto insurance for vehicles used at the campground?
Yes — vehicles used for business purposes should be covered by a commercial auto policy because personal policies often exclude business use.
How does workers' compensation apply to campground employees?
Workers' compensation covers medical care and certain lost wages if employees are injured or become ill performing job duties; state rules determine specific requirements.