RV Park & Campground Insurance: Cost & Quotes

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Updated: March 26, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

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:

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

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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

Compare Cheap RV Park & Campground Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

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

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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