RV Park Insurance & Resort Insurance
Campground Insurance, RV Park Insurance & Resort Insurance
AFIG’s RV Park Insurance & 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.
With the unique services and characteristics of your RV park, come unique needs and risks. We can help ensure you have the right RV Park insurance protection to cover your needs.
Whether your facility is up in the mountains or tucked away in a forest, it may provide recreational services such as fishing, boating, canoeing, miniature golf, horseshoe pits, playgrounds, swimming pools and organized activities for guests. RV Parks will typically offer showers and restrooms, laundry facilities and LP Gas sales. The resort may have a general store and a snack bar. Larger operations may have a restaurant and bar for their patrons. Depending on location, the park may be seasonal in nature. The length of stay can vary depending on the regional attractions.
- RV Parks
- Conference Centers
- General Store
- Restaurant or Bar
- Commercial Kitchens
- Liquor Liability
- LP Gas Sales
- Laundry Facilities
Organized Recreational Activities
- 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.
The Right Insurance for Your RV Park Needs
For over 40 years, Allen Financial Insurance Group has served the unique insurance needs of RV parks, campgrounds, and resorts from coast to coast in the United States. We insure over 2,500 parks nationwide. Our agents are professionals in insuring RV parks and campgrounds, and as an managing general agency, we match the correct carrier with your individual needs. No matter if you own a KOA in California, a Yogi Bear campground in Wisconsin, or a country campground in Georgia, we can craft an insurance solution for you.
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 RV Park Insurance, Campground Insurance and RV Park Insurance 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 resort 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.
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
- 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
|Diving boards or water slides;|
|Renting or making available for use any tow behinds (water tubes, water skis, etc.) for customers.|
|Swim rafts or water trampolines that aren’t equipped with at least one ladder each.|
|Trampolines (water trampolines are acceptable).|
|Swimming areas that do not have signs posted that no diving is allowed.|
|Risks without speed limit signs on all private roads.|
|bungee jumping, flight in an ultra-light aircraft, hang gliding;|
|Rental of mobile homes that are more than 15 years old.|
|Boat rentals with motors over 75 HP.|
|Must have at least three years of prior ownership or management experience of a campground or resort.|