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A campground and RV park will offer great profits compared to other property investments. Although it is a rewarding business venture, you must know that it attracts heavy 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.
RV park and Campground insurance protects your business from unforeseen risks. This article explores the inclusions, the cost of premiums, and the best companies.
General Liability Insurance for RV Parks and Campgrounds
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
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.
| 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 |
| 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 |
Public Liability Insurance for RV Parks and Campgrounds
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.
Pollution Liability Insurance for RV Parks and Campgrounds
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.
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.
Commercial Property Insurance for RV Parks and Campgrounds
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
| 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 |
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Business Owner’s Policy for RV Parks and Campgrounds
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
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.
| 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 |
Tools and Equipment Insurance for RV Parks and Campgrounds
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.
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.
Workers Compensation Insurance for RV Parks and Campgrounds
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
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.
RV Campground Insurance Cost
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.
| 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 |
Rank and Review Insurance Companies
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Best RV Campground Insurance Companies
NEXT
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.
Average cost: $32 per month
Our rating: 10/10
Pros
- 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
Cons
- Couldn’t find any
CoverWallet
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.
Average cost: $35 per month
Our rating: 10/10
Pros
- Customizable options
- Easy application process
- Works with multiple carriers
Cons
- Not an insurance company but an insurance broker
The Hartford
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.
Average cost: $39 per month
Our rating: 10/10
Pros
- Multiple coverage options
- Customizable coverage
- Renowned company for workers compensation insurance
Cons
- Not a BBB accredited company
Tivly®
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.
Average cost: $41 per month
Our rating: 9/10
Pros
- Affordable pricing
- Easy-to-use platform
- Outstanding customer service
Cons
- You need to talk to a representative to get quotes
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Thimble
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.
Average cost: $44 per month
Our rating: 9/10
Pros
- On-demand policies
- Flexible coverage options
- Competitive pricing
Cons
- You can’t reach customer service by calling
Hiscox
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.
Average cost: $47 per month
Our rating: 9/10
Pros
- Tailored insurance options
- Great customer service
- Easy-to-use virtual platform
Cons
- Limited to some states
