Table of contents
A campground and RV park will offer a very high yield compared to other property investments. Although it is a rewarding business venture, you must know that it attracts some risks.
An arborist you hired may sustain injuries and try to sue to receive compensation. It’s also possible for the small retail store in your campground or RV park to burn. Last but not least, your negligence may result in a large wildfire, damaging other properties nearby.
Campground and RV park insurance protects your business from unforeseen eventualities. Read this guide to know the inclusions, the cost of premiums, and the best companies.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $500,000/$1,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | No |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Yes |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance will cover your campground and RV park from common risks. It is designed to protect your business from crippling financially if a lawsuit is filed due to:
Bodily injury
Property damage
Advertising claims
Personal injury
Employment practices liability insurance–Your employees can sue you due to poor employment terms. This insurance will cover those claims
Cyber liability insurance–Data breaches can happen if you operate your business virtually. These breaches may result in exponential financial losses. Cyber liability insurance will cover customer notification, legal expenses, and other costs
Most campground insurance companies offer a coverage limit of $ 1 million. But the limits are different for each business. Your exact limit depends on the coverage policy you select.
Some carriers offer on-demand policies to suit your needs if you operate a seasonal business. You can take an on-demand general liability for a week or month.
Each insurance company has its predetermined premiums. The campground and RV park insurance cost will vary according to your circumstances.
Public liability insurance helps protect your business from any third-party claims. For instance, a customer can get injured on your premises. This campground liability insurance will cover their medical costs. Campsite public liability insurance will help your business in the following incidents:
Slip and fall accidents
Injuries to customers caused by faulty equipment
Customer’s property damage
The coverage limit will differ depending on your specific policies. But most RV park insurance carriers offer a limit of $1 million-$5 million.
Yes, you require this type of campsite liability insurance. It will cover any claims made by your customers or bystanders.
Yes, most carriers will stipulate their specific exclusions. Most will not offer coverage for any intentional activities that cause damage or harm to your customers.
While operating your RV park or campground, you may accidentally cause environmental contamination or pollution. Pollution liability insurance will cover your business against any pollution-related claims. This RV campground insurance is integral if your business is located adjacent to environmentally sensitive areas such as water sources. It will cover the following incidents:
Accidental spills or leaks of fuel or chemicals that result in environmental contamination
Improper waste disposal or sewage management practices that result in harm to the environment
Inadequate maintenance or repair of equipment or facilities that results in pollution or contamination
Harm to people or wildlife caused by environmental contamination on your property
Contamination of groundwater, surface water, or air due to your business activities
The coverage limit for this camp site insurance is $500,000-$5,000,000. But the specific amount will depend on your policy terms. Thus you need to review your policy to get the proper coverage limit.
Yes, most providers will not cover any intentional acts. The insurance companies only cover accidental environmental pollution or contamination.
No, this type of campsite owners insurance is not mandatory. But having pollution liability coverage for your business is fundamental to protect yourself from financial losses associated with pollution claims.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $15,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Included | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Included | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property insurance provides coverage for your RV park or campground physical assets. It covers buildings, inventory, equipment, or other physical structures. It covers events such as:
Fires
Storms
Theft
Vandalism
Business interruption–A covered event such as a fire can lead to the closure of your business. Business interruption will cover your lost income or expenses during this period
Flood insurance–This can be included as an add-on. It protects your business in case of damage due to floodwaters
Earthquake insurance–If your standard commercial property insurance does not cover earthquake events, you can include it as an add-on
When determining the coverage limit of your commercial property insurance, providers will consider the value of your property. The appropriate limit must be equivalent to the market value of your assets.
Yes, this RV park and campground insurance is essential. In case of damage, you will be responsible for the financial loss whether the property is rented or not.
Yes, Commercial Property Insurance policies can be customized to fit the needs and budget of any size of business, including small RV parks and campgrounds.
| CoverWallet | NEXT (Best) | Hiscox | Thimble | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $500,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $25,000 | $25,000 | $25,000/$500,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
A business owner’s policy (BOP) is designed to offer a more comprehensive coverage solution for RV park and campground owners. This policy combines the following:
General liability insurance
Commercial property insurance
Business interruption insurance
Equipment breakdown coverage–This coverage will cover any costs related to damage to your equipment due to electrical or mechanical failure
Commercial auto insurance–If you operate any vehicles for your business, you need this RV site insurance to offer coverage in case of accidents
The coverage limits will depend on the risks suffered. For general liability insurance, the limits are $2 million-$4 million. The commercial property insurance limits are similar to the value of your assets.
Yes, you can customize this camping insurance to suit your needs. This can include adjusting the coverage limits or adding essential add-ons.
Many insurance providers sell BOP insurance covers. Look for a licensed provider and review their campground insurance programs.
| NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance will offer coverage for your valuable tools and equipment. It will cover your items from common perils such as theft, fire, or vandalism. This coverage will help you avoid financial losses and continue operating your business even after unexpected events.
Inland marine insurance–This insurance policy will protect your tools and equipment in offsite locations or when they are being transported
Business interruption insurance–Will cover your business for lost income in case of closure due to covered events
The insurance provider will first determine the value of your tools and equipment. But generally, the limits can be $5,000-$500,000. The amount will vary according to the scope of your operations.
Property insurance is customized for your building and contents. It may not offer adequate coverage for your tools and equipment. Thus, it would be best to have valid tools and equipment insurance for more comprehensive coverage.
The tools and equipment policy of RVpark insurance programs has a $500-$2,500 deductible.
Your employees can be exposed to occupational illnesses and injuries. Worker’s compensation insurance will offer benefits to these employees. Most providers offer the following benefits on this campground insurance:
Medical benefits
Rehabilitation benefits
Death benefits
Lost income benefits
Employer’s liability coverage–An employee can claim that the injury or illness occurred due to your negligence. This insurance will protect you
Occupational accident coverage–The policy will offer your employees benefits if they are injured in the workplace
The coverage limit for this RV park insurance will depend on the benefits employees will receive. The medical expenses coverage will have to cater to all the hospital bills and medication.
Yes, this camping insurance is compulsory. If you have hired any employee, ensure you offer sufficient coverage for them.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $35 | $420 | $0-$500 |
| Pollution liability insurance | $49 | $588 | $1,000-$2,000 |
| Commercial property insurance | $90 | $1,080 | $1,000-$2,000 |
| Business owner’s policy | $105 | $1,260 | $1,500 |
| Tools and equipment insurance | $40 | $480 | $500-$1,000 |
| Commercial auto insurance | $52 | $624 | $500-$1,000 |
| Workers compensation insurance | $102 | $1,224 | $2,500-$5,000 |
The average cost of campground insurance and RV park insurance is $35 per month or $420 per year for a $1 million general liability policy. Factors that affect the actual campground insurance cost you must pay are:
Size of your business
Policy terms
Add-ons included
Number of employees
Consider having high deductibles and removing useless add-ons to decrease your premiums. Here’s a table giving a further idea of the RV park insurance cost estimates by showing the price of a $1 million general liability policy from the best companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $32 | $384 | Best overall; Fastest general liability insurance for RV parks and campgrounds |
| CoverWallet | $35 | $420 | Comparing RV park and campground insurance quotes online |
| The Hartford | $39 | $468 | Workers compensation insurance for RV parks |
| Tivly | $41 | $492 | Comparing RV park and campground insurance quotes over the phone |
| Thimble | $44 | $528 | On-demand coverage for campgrounds and RV parks |
| Hiscox | $47 | $564 | Liability policy with automatic renewal for RV parks and campgrounds |
Get all the best quotes from leading providers in a click of a button!
These are the RV park and campground insurance companies to consider. Here are our top picks. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for RV parks and campgrounds
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is a reputable digital insurance provider. They mainly offer insurance policies for small businesses, including campground and RV park businesses. You can apply for their policies on their website. It is very easy for your business to get a quote online.
Best for: Best overall; Fastest general liability insurance for RV parks and campgrounds
Average cost: $32 per month
Our rating: 10/10
Customizable options
Easy application process
Works with multiple carriers
Not an insurance company but an insurance broker
CoverWallet uses a digital platform that allows you to have a simplified process of buying insurance policies. They have an easy and fast virtual application process. This company is a broker and works with multiple carriers to ensure you have access to the best terms and quotes.
Best for: Comparing RV park and campground insurance quotes online
Average cost: $35 per month
Our rating: 10/10
Multiple coverage options
Customizable coverage
Renowned company for workers compensation insurance
Not a BBB accredited company
The Hartford is a company that has partnered with AARP. They are known for providing home insurance and commercial auto insurance to AARP members. They offer attractive discounts and benefits for all AARP members. But you can also find RV park insurance and campground insurance.
Best for: Workers compensation insurance for RV parks
Average cost: $39 per month
Our rating: 10/10
Affordable pricing
Easy-to-use platform
Outstanding customer service
You need to talk to a representative to get quotes
Tivly offers a wide array of insurance products for businesses. They primarily specialize in offering insurance products for short-term rental hosts. But they also deal with other businesses. They are unique due to their easy online application process. You can purchase and manage all your policies on their website. Call now to compare quotes over the phone.
Best for: Comparing RV park and campground insurance quotes over the phone
Average cost: $41 per month
Our rating: 9/10
On-demand policies
Flexible coverage options
Competitive pricing
You can’t reach customer service by calling
Thimble has managed to be outstanding in the market due to its on-demand policies. They can offer insurance coverage for specific periods. Whether you want to take a policy for a few hours, days, weeks, or months, they can help you. You can also customize the policies depending on your needs.
Best for: On-demand coverage for campgrounds and RV parks
Average cost: $44 per month
Our rating: 9/10
Tailored insurance options
Great customer service
Easy-to-use virtual platform
Limited to some states
Hiscox is a company that offers many insurance options for businesses. They have very flexible payment plans and tailored coverage options. This company is ideal for you if you have specific insurance needs or need to work on a budget. You can conveniently obtain quotes, manage claims, and buy policies on their website.
Best for: Liability policy with automatic renewal for RV parks and campgrounds
Average cost: $47 per month
Our rating: 9/10
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
10 / 10
Their business insurance products are by far the best business decision I've made financially. Got us covered when we needed it and for such a bargain cost. Couldn't recommend more!
10 / 10
Excellent business insurance policies at cheap rates. Claim process was easy and helped us cover financial loss.
10 / 10
Great rates and excellent service. Our business feels safe.
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
Not all those who wander are lost.
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