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
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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