Campground, RV Park & Resort Insurance


The Resort & Campground Insurance Program has been specifically designed for thousands of recreational businesses throughout the United States.  Our comprehensive campground insurance program gives you the ability to combine broad property, liability, commercial auto, bonds, workers compensation and umbrella coverage with low preferred rates.


  • Campgrounds
  • RV Parks
  • Conference Centers
  • General Store
  • Restaurant or Bar
  • Commercial Kitchens
  • Liquor Liability
  • LP Gas Sales
  • Laundry Facilities
  • Organized Recreational Activities
  • Fishing
  • Horse Stables
  • Outfitters & Guides
  • Swimming Pool / Water Features
  • Boating & Canoeing
  • Shooting Sports
  • Special Events

The AREA Resort & Campground policy provides a number of coverage extras.



KOA Campgrounds

Our comprehensive commercial liability policy offers coverage beyond the industry standard.  We have enhanced this program specifically for your recreational business. At no additional cost to you, our Resort & Campground Liability policy includes unique coverage essential to those in your industry.  If your business is held legally liable for damage to your client's property, this policy will pay up to the full limit of the policy…without a deductible.  Included in our general liability policy is coverage for claims arising from the products you sell or the services you complete.  Our liability insurance protects you if you are responsible for damage to the property of others.

Additional Insureds - If a written contract requires you to name someone else as an additional insured on your policy, we’ll automatically extend that status to them. We will also provide them with primary coverage if they require it of you.


Building and Structures  covers materials, equipment, supplies, additions, and new construction within 1,000 feet of premises

Business Income & Extra Expense - Actual Loss Sustained

Tools & Equipment Coverage  protects you against a loss concerning owned, borrowed, rented, or leased tools and equipment

Property Extension Endorsement

  • Personal Effects and Property of Others. $10,000
  • Valuable Papers and Records (Other Than Electronic Data) $25,000
  • Property Off-Premises $15,000
  • Signs $10,000
  • Accounts Receivable $25,000
  • Employee Dishonesty $5,000
  • Theft, Disappearance and Destruction $5,000
  • Electronic Data Processing Equipment and Media $25,000
  • Fine Arts $25,000
  • Guest Property Liability (Limit Shown is Per Guest/Per Occurrence)
  • Property in Transit $10,000
  • Sewer or Drain Water Back-Up $25,000

Optional Coverage

  • Automobile
  • Boiler & Machinery
  • Directors and Officers – for damages resulting from “wrongful acts” and reimbursement of loss and claims expenses.
  • Additional Insureds
  • Umbrella Policy
  • Workers Compensation



Exclusions and Limitations

bullet Diving boards or water slides;
bullet Renting or making available for use any tow behinds (water tubes, water skis, etc.) for customers.
bullet Swim rafts or water trampolines that aren't equipped with at least one ladder each.
bullet Trampolines (water trampolines are acceptable).
bullet Swimming areas that do not have signs posted that no diving is allowed.
bullet Risks without speed limit signs on all private roads.
bullet bungee jumping, flight in an ultra-light aircraft, hang gliding;
bullet Rental of mobile homes that are more than 15 years old.
bullet Boat rentals with motors over 75 HP.
bullet ATV Rental
bullet Must have at least three years of prior ownership or management experience of a campground or resort.


In a rush?

Call 800.874.9191
for an immediate quote.

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  Contact us by phone (800) 874-9191, FAX (602) 992-8327
or email below for more product information.



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