RV Parks Campgrounds Insurance Policy Information
RV Parks Campgrounds Insurance 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 is working hard for you.
RV parks campgrounds insurance protects your property from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked RV Parks & Campgrounds insurance questions:
- What Is RV Parks Campgrounds Insurance?
- How Much Does RV Parks Campgrounds Insurance Cost?
- Why Do RV Parks & Campgrounds Need Insurance?
- What Type Of Insurance Do RV Parks & Campgrounds Need?
- What Does RV Parks Campgrounds Insurance Cover & Pay For?
What Is RV Parks Campgrounds Insurance?
RV Parks Campgrounds Insurance is a specialized type of insurance coverage designed for owners and operators of RV parks and campgrounds. It provides protection against various risks and liabilities associated with the operation of these facilities, such as property damage, liability for accidents or injury to guests, and loss of income due to unexpected events.
This insurance covers a wide range of areas, including buildings, equipment, personal property, general liability, workers' compensation, and business interruption. It helps ensure that the park or campground is protected against financial losses and is able to continue operating in the event of an unexpected event.
How Much Does RV Parks Campgrounds Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small RV parks and campgrounds ranges from $67 to $89 per month based on location, size, payroll, sales and experience.
Why Do RV Parks & Campgrounds Need Insurance?
RV parks and campgrounds need insurance for several reasons, including:
Liability protection: Insurance provides coverage for claims made against the park or campground for injury to a guest or damage to their property.
Property damage: Insurance covers damages to the park or campground, such as fire, theft, or storm damage.
Business interruption: Insurance provides coverage for loss of income if the park or campground is forced to close due to a covered event.
Employee injury: Insurance covers costs associated with employee injuries that occur on the job.
Environmental hazards: Insurance covers costs associated with cleaning up hazardous waste or other environmental issues that may arise.
Having insurance helps protect the park or campground from financial loss, ensuring that the business can continue to operate and provide guests with a safe and enjoyable experience.
What Type Of Insurance Do RV Parks & Campgrounds Need?
RV parks campgrounds insurance 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 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, 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 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).
Commercial Auto Insurance - This RV parks campgrounds insurance 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 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 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 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 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.
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.
What Does RV Parks Campgrounds Insurance Cover & Pay For?
RV parks and campgrounds can face a variety of legal risks, which can result in lawsuits. Insurance can help protect these businesses by providing financial coverage in the event of a lawsuit. Some common reasons for lawsuits against RV parks and campgrounds and the corresponding insurance coverages include:
Slip and fall accidents:
Reason for lawsuit: Visitors may slip, trip, or fall on the property due to wet surfaces, uneven terrain, or poorly maintained walkways.
Insurance coverage: General liability insurance can help pay for medical expenses, legal fees, and any damages awarded to the injured party if the RV park or campground is found liable.
Reason for lawsuit: A guest's property, such as an RV or personal belongings, may be damaged due to the campground's negligence, like a tree falling on an RV.
Insurance coverage: Commercial property insurance can help cover the cost of repairing or replacing the damaged property, as well as any associated legal fees.
Reason for lawsuit: Accidents involving vehicles on the campground's property could lead to legal claims if the RV park or campground is found to be responsible.
Insurance coverage: Commercial auto insurance can help cover the costs of property damage, medical expenses, and legal fees associated with an accident.
Workers' compensation claims:
Reason for lawsuit: Employees may file a claim if they are injured while working at the RV park or campground.
Insurance coverage: Workers' compensation insurance can help cover the costs of medical treatment, lost wages, and any legal fees associated with a claim.
Discrimination or harassment:
Reason for lawsuit: Guests or employees may sue the RV park or campground for discrimination or harassment based on factors like race, gender, or disability.
Insurance coverage: Employment practices liability insurance (EPLI) can help cover the costs of legal defense and any damages awarded in a discrimination or harassment lawsuit.
Breach of contract:
Reason for lawsuit: A guest may sue the RV park or campground for breach of contract, such as failing to provide promised amenities or services.
Insurance coverage: Professional liability insurance (also known as errors and omissions insurance) can help cover the costs of legal defense and any damages awarded in a breach of contract lawsuit.
Reason for lawsuit:: Guests or neighboring properties may sue the RV park or campground for environmental damage, such as pollution or contamination.
Insurance coverage: Environmental liability insurance can help cover the costs of cleanup, legal defense, and any damages awarded in an environmental claim.
By purchasing the appropriate insurance coverage, RV parks and campgrounds can mitigate the financial risks associated with these lawsuits and protect their business from significant losses.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7033 Recreational Vehicle Parks and Campsites
- NAICS CODE: 721211 RV (Recreational Vehicle) Parks and Campgrounds
- Suggested Workers Compensation Code(s): 9015 Building or Property Management - All Other Employees
7033: Recreational Vehicle Parks and Campsites
Division I: Services | Major Group 70: Hotels, Rooming Houses, Camps, And Other Lodging Places | Industry Group 703: Camps And Recreational Vehicle Parks
7033 Recreational Vehicle Parks and Campsites: Establishments primarily engaged in providing overnight or short-term sites for recreational vehicles, trailers, campers, or tents. Establishments primarily engaged in operating residential trailer parks are classified in Real Estate, Industry 6515.
- Campsites for transients
- Recreational vehicle parks
- Trailer parks for transients
RV Parks Campgrounds Insurance - The Bottom Line
Running a business in the outdoor recreation industry has its own set of challenges. Cover your assets against potential damages, risks or lawsuits with a RV parks campgrounds insurance policy. Make your outdoor recreational area safe and enjoyable for everyone.
Additional Resources For Miscellaneous Insurance
Find informative articles on miscellaneous businesses including the types of commercial insurance they need, costs and other considerations.
- Adult Daycare
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Businesses need insurance for several reasons. Firstly, insurance protects businesses from potential financial losses that may result from unexpected events, such as accidents, natural disasters, or lawsuits. This financial protection can help businesses recover from unexpected events and continue to operate.
Secondly, business insurance can provide businesses with liability protection. This means that if a business is sued for damages or injuries that occurred on their property or as a result of their products or services, the insurance company will cover the legal costs and damages. Without insurance, businesses may have to pay these costs out of pocket, which can be financially devastating.
Thirdly, commercial insurance can also provide businesses with peace of mind. When businesses have insurance, they can focus on running and growing their business without constantly worrying about potential financial losses or legal issues.
Finally, business insurance can also be a requirement for certain businesses. For example, many businesses that work with the government or large corporations may be required to have certain types of insurance in order to do business with them.
In conclusion, businesses need insurance for financial protection, liability protection, peace of mind, and to meet certain requirements. It is an important aspect of running a successful business and can help ensure the long-term stability and growth of the company.