https://completemarkets.com/company/lrhinsurance/Campground-and-Park-Program-for-Harder-to-insure-risks/
Since 1975, Leavitt Recreation & Hospitality Insurance has been a trusted source of insurance solutions for the camping and outdoor hospitality industry. We specialize in a surplus lines program — Campground and Park Insurance for Harder-to-insure risks — that gives agents access to markets designed for complex or elevated exposures.
Overview of the Program From Leavitt Recreation & Hospitality Insurance
As a Managing General Agency with decades of niche experience, Leavitt Recreation & Hospitality Insurance combines deep underwriting knowledge with strong carrier relationships to serve more than 1,200 camping resorts nationwide. Our surplus lines program helps you place campgrounds and parks that are difficult to place in the standard market due to high liability exposure, prior claims, or challenging locations.
Ideal Accounts and Appetite
This program is a good fit when you need a market for campgrounds, RV parks, and outdoor resorts that present elevated risk characteristics. Typical accounts include:
Campgrounds with water features, zip lines, ropes courses, or other interactive activities
RV parks or resorts with rental cabins, seasonal lodging, or long-term tenants
Properties in coastal zones or areas exposed to high wind/hail or severe weather
Operations with prior loss history, higher limits needs, or unusual recreational exposures
We offer preferred terms and pricing for lower-risk locations and risk-managed operations, but the program is designed to accommodate more complex and harder-to-place risks through tailored underwriting.
Coverage Highlights and Advantages
Property coverage for buildings, contents, and equipment
Auto coverage for owned vehicles, tow/service units and park maintenance vehicles
General liability written with language and limits appropriate for recreational exposures
Access to surplus lines coverages and endorsements not commonly available in admitted markets
Responsive underwriting and efficient claims handling through experienced teams
The program is underwritten by Penn America and is available on a non-admitted (surplus lines) basis.
Underwriting Notes and Minimum Premiums
Underwriters evaluate each submission for operations, exposure controls, and loss history. Submissions should include a completed application, a detailed description of operations, current loss runs, and any risk management procedures in place. Minimum premiums vary based on the size and complexity of the risk; provide full exposure details so we can identify an appropriate structure.
Territories and Availability
Our program writes business in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Please inquire for specific state availability and any state-specific requirements.
Why Work With Leavitt Recreation & Hospitality Insurance
Leavitt Recreation & Hospitality Insurance is the leading specialty MGA for campgrounds and camping resorts. Agents benefit from:
Decades of industry-specific underwriting expertise
Access to surplus lines capacity for difficult-to-place risks
Dedicated service teams and experienced claims handling
Competitive pricing for qualifying risks and flexible terms for complex accounts
Examples of accounts you can place: a coastal RV resort with seasonal storms and prior hail claims that needs a tailored property program; or a campground adding a supervised ropes course and looking for combined liability and property solutions with customized endorsements.
Contact us today at http://www.lrhinsurance.com to learn how we can help you place Campground and Park Insurance for Harder-to-insure risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for campgrounds, RV parks, and outdoor resorts with unique liability exposures, prior claims, or locations in coastal or severe-weather-prone areas.
Is this program available on an admitted basis?No. This is a non-admitted surplus lines program, which allows us to consider and structure coverage for harder-to-insure risks.
Can you write in coastal or wind/hail exposed territories?Yes. The program is designed to accommodate properties in challenging territories, including coastal zones and areas exposed to high wind or hail.
What carrier backs this program?This program is underwritten by Penn America, a carrier experienced in surplus lines and specialty hospitality risks.
What submission documents are needed?Provide a completed application, detailed description of operations, current loss runs, and any documented risk management or safety procedures to speed underwriting and placement.
Need help placing an account? Connect with a market specialist.