RV Parks Campgrounds Insurance Alabama Policy Information
RV Parks Campgrounds Insurance Alabama Camping is the stuff that memories are made of. From the beaches to the rural areas, campgrounds and RV parks are considered hot destinations spots where guests like to enjoy everything the weather has to offer in every season.
Campgrounds or camping parks offer rental of lots and hookup to utility services to tourists in recreational vehicles. Some may offer repair services, off-season storage, and sales or rental of units. Campgrounds may have playgrounds, restrooms (often with showers), a retail convenience or grocery store, and a service or utility building for laundry or recreation.
Recreational activities available may include boating, canoeing, climbing, fishing, horseback riding, hunting, swimming (in a pool or lake), or tennis courts. Some offer storage of vehicles in the off-season. Campgrounds are generally independently owned but may have a tie to a national organization that requires inspections and certain minimum amenities.
If you are an owner/operator of a RV park or campground, you want your facility to be the place that welcomes guests back, year-after-year. You work hard to maintain your park, so be sure that your RV parks campgrounds insurance Alabama is working hard for you.
RV parks campgrounds insurance Alabama protects your property from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Types Of RV Parks Campgrounds Insurance
RV parks campgrounds insurance Alabama offers complete coverage to minimize the owner's liability for injuries or accidents that guests may incur from jumping pillows, space basketball, slidezilla, water slides, inflatables, water trampolines, swim rafts, swimming pools and beaches or other campground attractions. Below are some of the most common coverages:
Liability Insurance For RV Parks & Campgrounds
RV parks campgrounds insurance Alabama includes core coverages as well as several extended care options - giving you the flexibility to shape a plan to suit your needs and protect your business. The coverages include:
General Liability Insurance - The world we live in is full opportunities for calamities. Recreational properties can pose their own hazards. Your customers are relaxing and enjoying their vacation; the next minute someone has tripped and fell off the dock and hit their head on a boat parked at the dock. Or a visitor trips over a piece of your firewood and breaks an arm.
Even if you have done nothing wrong, someone may accuse you of negligence leading to their injury. This can result in costs to defend yourself, and a financial settlement if a jury agrees with your accuser. General liability protects you even if you should get sued because someone got seriously hurt while vacationing at your park.
Workers' Compensation Insurance - Required in many states for any non-owner employees, AL workers comp provides medical and disability coverage for your employees in the event of a work-related illness or injury.
Liquor Liability - If you sell liquor on your property, you can purchase a liquor liability policy that will protect you in case injury occurs resulting from liquor sales.
Pollution Liability - With so many large gas tanked vehicles visiting your AL property, you may want to purchase a pollution liability policy. This will protect you against leaks or spills.
Employment Practices Liability Insurance (EPLI) - In this litigious age, it's worth protecting your business from lawsuits filed by current and former employees - from wrongful termination suits to discrimination complaints made to the Equal Employment Opportunity Commission (EEOC).
AL Commercial Auto Insurance - This RV parks campgrounds insurance Alabama policy insures your vehicles for liability coverages and physical damage for situations, usage and amounts not covered by your personal vehicle policy. Generally, if a vehicle is used in providing services related to your business, a AL commercial auto policy will be necessary. It provides coverages such as collision, liability, comprehensive, medical payments and uninsured motorists' coverage to your business.
Property Insurance For RV Parks & Campgrounds
When you have offices and other structures on the premises of your RV Park or campground, you will need property insurance to provide coverage for your buildings and contents. With AL property insurance, it is important to properly match the amount of coverage to the replacement cost of the structures.
If the structures are new construction cost will be available from the contractor, which is usually the case with structures constructed in the past several years. As the structures get older, you can seek assistance from your insurer in calculating the replacement cost of the structure using custom industry figures.
Campground Equipment Insurance - RV parks campgrounds insurance Alabama coverage for your equipment such as tractors, mowers, golf carts, boats, picnic tables, etc.
Business Owner's Policy (BOP) - This protects your business' buildings, contents and loss of business income, premises and product liability. The policies will offer many automatic coverage enhancements not found in other insurance programs. The BOP looks somewhat like a homeowner's policy in that the automatic extensions of coverage are built into the RV parks campgrounds insurance Alabama policy. These extensions cannot be removed for a credit and they provide an elementary limit for the enhancements.
Exclusions and Limitations
- 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.
Alabama Campground's Risks & Exposures
Premises liability exposures can be high due to the number of visitors to the campground. Participants can trip, slip or fall on rough terrain, be struck by vehicles or projectiles, attacked by animals or insects, suffer exposure to harsh weather elements, or drown.
If the campground owns and rents units, all the life safety concerns of a lodging operation need to be evaluated. The condition of access roads, security at the camp, and the condition of the park are the major liability concerns. Water purity should be checked on an ongoing basis. Playground equipment must be properly maintained and documented. Swimming areas should be clearly marked and "No Swimming" signs posted at any lake or pond where swimming is not an offered amenity.
Swimming pools should be fenced, with a self-closing gate and depths clearly marked. Pool rules should be prominently displayed. Life saving equipment should be accessible at all times. If open fires are permitted, all fires must be extinguished and cooled to prevent the spread of fire. Personal injury losses may occur due to alleged wrongful eviction, invasion of privacy, or discrimination.
Workers compensation exposure includes service, janitorial, and maintenance activities. Slips, falls, insect bites, back injury from lifting, hernia, sprains, and strains are common. Interaction with tenants can be difficult. Employees should be trained in dealing with difficult situations.
Animals owned by tenants can bite, scratch, or kick workers. Contact dermatitis or respiratory ailments may result from janitorial and maintenance responsibilities. If there are other operations, such as lodging, logging, tree trimming, or application of herbicides or pesticides, you will need extended coverages.
Property exposure includes the office, restroom and shower area, and laundry facilities. Campgrounds are generally located in remote wooded areas miles away from public firefighting resources. There should be fire detection and firefighting capabilities within the camp to control a small fire. If there is a snack bar or restaurant, all cooking equipment should be properly controlled. If there is a central laundry area, washers and dryers must be properly maintained.
There may be community buildings, snack bars, or owned trailers that are available for rent. These must be in good condition with heating and wiring up to date. There should be a smoke/fire detector in each owned unit. If alarms are battery-powered, there must be documented records of periodic maintenance. If the campground is seasonal and motor homes or campers are left on premises for storage in the off-season, a caretaker should stay on premises or a security service should check each day for vandalism or small fires.
Crime exposure comes from employee dishonesty and money and securities. Background checks should be conducted on all employees handling money. All ordering, billing, and reimbursements should be separately monitored functions. Both internal and external audits should be conducted at least annually. If there is cash admission or a restaurant, there may be an accumulation of money. Regular deposits should be made and the number of cashiers should be limited.
Inland marine exposure is from contractors' equipment used to maintain the premises and valuable papers and records for campers' information and contracts with vendors. Equipment should be stored when not in use, with the storage facility locked.
Business auto exposure is normally limited to hired and non-ownned for employees running errands. If there are owned vehicles, all drivers must have appropriate licenses and acceptable MVRs. All vehicles must be maintained on an ongoing basis and service documented.
AL RV Parks Campgrounds Insurance
Running a business in the AL outdoor recreation industry has its own set of challenges. Cover your assets against potential damages, risks or lawsuits with a RV parks campgrounds insurance Alabama policy. Make your outdoor recreational area safe and enjoyable for everyone.
Alabama Economic Data, Regulations And Limits On Commercial Insurance
Every business-minded person who is looking into opening a business knows that location plays a huge role in their success. It's important to ensure that the area where you're thinking establishing a business is conducive to your industry. Additionally, it's important to have a firm understanding of the rules and regulations that pertain to commercial operations in the area.
If you're an entrepreneur who is thinking about starting a business in the state of Alabama, read on to find an overview of The Heart of Dixie's economic data and commercial insurance requirements.
Economic Trends For Business Owners In Alabama
Unemployment rate is an important factor that prospective business owners should take into consideration before establishing a corporation, as it directly reflects the labor market of the area. A low rate of unemployment indicates that there are enough jobs to support the overall population, and jobs indicate that local businesses are successful.
This information directly reflects whether or not the economy of a state is healthy enough to support new businesses. As per the Bureau of Labor Statistics, Alabama's unemployment rate was 2.7% as of 2020, 0.8% lower than the national average of 3.5%. This is a good sign for entrepreneurs who are considering establishing a business in the state.
Birmingham is one of the top cities for business in Alabama. It's considered the hub of technological growth in the state, and is the site for numerous tech startups. Huntsville is also a key location for startups in the tech industry, as it's regarded as one of the most "tech-friendly" cities of the Southern United States. Montgomery and Tuscaloosa are also two cities potential business owners might consider setting up shop in the state of Alabama.
While several industries do well in the state, the following key sectors are experiencing the most growth in AL:
- Aerospace and aviation
- Beverage production
- Chemical development
- Corporate operations
- Metals, such as iron and steel
Commercial Insurance Requirements In Alabama
The Alabama Department of Insurance regulates insurance in AL. Alabama mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Alabama requires you to have worker's compensation insurance if you have 5 or more employees on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Alabama also requires all business-owned vehicles to be covered by commercial auto insurance. Other insurance policies that business owners in AL need to invest in depend on the specific industry.
Additional Resources For Miscellaneous & Non-Profit Insurance
Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.
- Adult Daycare Insurance
- Agriculture, Forestry, Fishing & Hunting
- Bail Agent
- Control of Well
- Employment / Staffing Agency
- Engraving Business
- Facility Support Services
- Mail Order
- Oil And Gas Lease
- Personal Concierge
- Photofinishing Lab
- Portable Sanitation
- Printers & Publishers
- Private Water Districts
- Process Server
- RV Parks & Campgrounds
- Security Guard
- Surety Bonds
- Unmanned Aerial Vehicles (UAV) Drone
- Waste Disposal Landfill
- Wedding Planner
An insurance contract is an agreement where one party obligates itself to make good the financial loss or damage sustained by a second party when a designated event occurs. The event must be fortuitous and happen by accident. The named insured must have insurable interest at the time of loss. One final point is that in order for any contract to be considered insurance, there must be a risk of loss.
Fortuitous Event - An occurrence largely beyond the control of any involved party; happening by chance; accidental; for example: fire, lightning, windstorm, explosion or flood.
Insurable Interest - In order to recover from a loss to property, the holder must have an insurable interest in the property at the time of the event or occurrence. An insurable interest is any right, title or interest in property where the holder of that right, title or interest sustains financial loss if the property is damaged or destroyed. Any lawful and substantial economic interest in the safety or preservation of the property from loss, destruction or damage also constitutes an insurable interest.
An entity does not have to be the property owner to have an insurable interest in it. Examples include, but are not limited to, mortgagees, trustees, vendors, lessees and bailees. Insurable interest for any entity must exist at the time the loss occurs.
Risk Of Loss - If property could never be destroyed, there is no risk of loss. If property must necessarily disintegrate or be destroyed, there is no risk of loss. Between these two extremes is the exposure of risk that can be insured.
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Also learn about Alabama small business insurance requirements for general liability, business property, commercial auto & workers compensation including AL business insurance costs. Call us (205) 855-5999.