Looking for Recreational Vehicle (RV) Parks and Campsites Insurance?
Protect your RV park from guest injuries, property damage, utility liability, and environmental claims. Get coverage for RV parks, campgrounds, and outdoor hospitality properties.
What is Recreational Vehicle (RV) Parks and Campsites Insurance?
RV park and campground insurance protects outdoor hospitality properties from guest injuries, property damage, utility incidents, and environmental liability. Coverage includes general liability, property insurance, and pollution coverage. Lenders, franchise agreements, and municipalities require proof of insurance before financing, branding, or operating permits.
Guest Safety
Coverage for camper injuries, accidents, and incidents throughout park facilities.
Property and Facilities
Protects buildings, hookups, amenities, and campground infrastructure.
Utility Liability
Covers incidents from electrical, water, and sewer connections to RV sites.
Certificates
Fast proof for lenders, franchisors, and municipalities.
Who Needs Recreational Vehicle (RV) Parks and Campsites Insurance?
- RV Parks and Resorts : Businesses requiring specialized insurance coverage
- Campgrounds : Businesses requiring specialized insurance coverage
- Glamping Properties : Businesses requiring specialized insurance coverage
- Outdoor Hospitality Facilities : Businesses requiring specialized insurance coverage
Frequently Asked Questions
What insurance do RV parks need?
RV parks and campgrounds need general liability for guest injuries throughout the property, including recreational amenities, pool accidents, and common areas, property insurance for buildings, bathhouses, pools, playgrounds, and infrastructure, and liquor liability if operating stores selling alcohol or hosting events with alcohol service. Utility liability covers incidents from electrical hookups, water connections, and sewer systems serving RV sites. Pollution coverage addresses wastewater treatment and environmental issues, while business interruption protects seasonal revenue.
Is RV park insurance required?
Lenders financing RV park purchases or development require comprehensive property and liability coverage as a loan condition. RV park franchise agreements (KOA, Jellystone, etc.) require specific minimum insurance limits and add the franchisor as additional insured. Municipalities require insurance for campground business licenses and wastewater discharge permits. State health departments may require insurance for pools and water features. While exact requirements vary, insurance is universally expected.
How much does RV park insurance cost?
Small primitive campgrounds with basic facilities pay $8,000–$20,000 annually for basic coverage. Mid-sized RV parks with full hookups and amenities pay $20,000 to $60,000+ annually. Large RV resorts with extensive amenities, pools, and year-round operations pay $60,000 to $200,000+ annually. Costs depend on the number of sites, amenities offered (pools are significant cost drivers), property values, seasonal versus year-round operations, location, claims history, and whether offering cabin rentals or glamping.
Does insurance cover electrical hookup incidents?
Utility liability coverage protects against injuries or property damage from electrical hookups at RV sites, including electrical fires, shocks, or damage to RV electrical systems from power surges or improper connections. Coverage applies when electrical systems are code-compliant, properly maintained, regularly inspected, and pedestal connections meet RV industry standards. Outdated wiring, known electrical problems, or deferred maintenance could result in coverage denial.
Does insurance cover campground pool accidents?
General liability covers pool injuries and drowning incidents when pools meet code requirements, proper fencing and safety equipment are maintained, posted hours and rules are enforced, and regular inspections are documented. Some policies require lifeguards for pools exceeding certain sizes or depths. Inadequate supervision, missing safety equipment, or failing to maintain proper chemical levels could complicate claims.
Can franchisors require specific coverage?
Yes, RV park franchise agreements (KOA, Jellystone Park, etc.) require franchisees to maintain minimum liability coverage (often $2-5 million), property insurance covering franchise improvements, add the franchisor as additional insured, and provide annual proof of insurance renewal. Franchise agreements specify detailed insurance requirements, including specific endorsements, certificate formats, and advance notice of any coverage changes or cancellations.