RV Park, Campground, & 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.

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 Park, Campground, & Resort Insurance

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.

RV Park, Campground, & Resort Insurance 
KOA Campgrounds

BUSINESS LIABILITY

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.

PROPERTY COVERAGE

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)
    $1,000/$25,000
  • 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.
RV Park, Campground, & Resort Insurance
RV Park, Campground, & Resort Insurance
RV Park, Campground, & Resort Insurance

RV Park, Campground, & Resort Insurance

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