Campground and RV Park Insurance

Campground and RV Park Insurance

Protect your campground or RV park from liability claims alleging third-party bodily injury or property damage.

Zensurance - Campground owner

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Campground Owner

Insurance for campgrounds and RV parks

Campground and RV park owners strive to ensure their visitors enjoy camping on their properties and leave with smiles and memories that last a lifetime. But, unfortunately, accidents and unforeseen events can happen without warning. Whether arising from visitors, employees, or the environment, protecting your campsite or RV park and its amenities demands a thoughtful risk-management strategy.

Protect your campground or RV park from natural disasters or a lawsuit with a customized policy that addresses your risks and caters to your unique needs.

Campground and RV park insurance is designed to cover the costs associated with damages to your property resulting from severe weather, as well as claims against your business alleging bodily injury or property damage. For example, if one of your visitors is injured or if their possessions are damaged on your property, you could be held liable.

Every seasonal or year-round privately owned campground or RV park features unique attributes. Assess the potential risks associated with the amenities and features your business provides to its visitors, including:

  • Swimming areas (pools and beaches) as well as docks or inflatables you rent
  • Boat rentals such as jet skis, canoes, kayaks, and paddle boats
  • Fishing and fishing gear rentals
  • Playgrounds, mini-golf courses, tennis courts, horseshoe pits, picnic areas
  • RV hookups for sewer, water, and electricity
  • Fireworks displays
  • Horse or tractor hayrides
  • A restaurant, bar, or general store
  • Laundry and shower facilities

Also, consider any coverage you may need for your business’s buildings, equipment, and contents.

A comprehensive insurance package for campground and RV parks may include the following coverages:

  • Commercial General Liability (CGL) Insurance: Commercial general liability insurance, best known as slip-and-fall insurance, protects you against the day-to-day risks that can happen when interacting with third parties, such as claims of bodily injury or property damage. It is a combination of several coverages designed to protect your campground or RV park and typically covers legal expenses and medical fees resulting from a lawsuit.
  • Product Liability Insurance:Product liability coverage is usually included in a commercial general liability policy. It protects against claims alleging third-party property damage or bodily injury caused by a product you manufacture, distribute, rent, or sell to a consumer, including things such as watercraft or food.
  • Cyber Liability Insurance: Cyber liability insurance is one of the most critical coverages to have for selling products online, especially if you’re storing your customers’ data. While your customers will visit your campground or RV park, if you offer customers the opportunity to make a reservation online that requires them to include personal or financial information, it is your responsibility to protect their data. Cyber liability insurance covers costs associated with electronic incidents, such as cyber-attacks on your computing systems.
  • Commercial Property Insurance: Commercial property insurance protects your establishment, as well as its contents (including your inventory) from insured risks that occur beyond your control, like a fire, theft, or flood. Carrying commercial property insurance gives you the option of getting business interruption coverage, which reimburses the net income lost following an insured event. It may also cover overhead costs, employee wages, and other costs associated with temporarily closing your business. However, business interruption coverage does not cover income lost due to a pandemic, infectious disease, or government-mandated closure.
  • Equipment Breakdown Insurance: Equipment breakdown insurance covers the costs to repair or replace professional equipment such as commercial kitchen appliances in an on-site restaurant or bar that break or are damaged because of a mechanical or electrical issue. You must have commercial property coverage to purchase equipment breakdown insurance. However, it does not protect your equipment from damage against external sources such as a fire or flood. It is commercial property insurance that covers damages from these types of perils.
  • Commercial Crime Insurance: Commercial crime insurance protects against theft by employees, including any losses resulting from forgery or fraud. This type of coverage can be purchased as a standalone policy, or it can be added to your existing commercial general liability policy. There are two types of commercial crime coverages:
    • Money and securities: covers losses due to burglary, robbery, or theft.
    • Employee dishonesty coverage: covers losses or liabilities resulting from fraudulent acts such as embezzlement.

A cost-effective and comprehensive campground and RV park insurance package is based on several factors, including the type of business and its size, amenities and services you provide, and the park’s location. The cost will also depend on the types of coverages you need and the coverage limits you choose.

Yes, all private campgrounds and RV parks in Canada require commercial general liability (CGL) insurance. Adding commercial property insurance as part of a full business insurance package can help financially cover business owners against physical loss and damages, as well as third-party liability claims.

Getting insured is quick and easy!

Complete our 5-minute online application for a free campground or RV park insurance quote.

Common claims scenarios

tennis court

Problem: A visitor trips and falls while using your tennis court or playground, suffering a broken arm. They decide to sue you for damages and medical expenses.

Outcome: Your commercial general liability insurance may cover your legal fees to defend yourself and pay for the customer’s medical expenses.

cyber criminal

Problem: Your campground or RV park’s computer servers are hacked, and all your customers’ personal and financial data is stolen, potentially exposing them to cyber fraud.

Outcome: Your cyber liability insurance may cover the costs associated with repairing your computing systems, notifying your customers, and any legal fees you may incur if they decide to sue.

lightning over campground

Problem: A sudden and severe thunderstorm descends on your campground or RV park, damaging the roof of your administration building or main office and flooding a portion of your property.

Outcome: Your commercial property insurance may cover the cost of repairing the damage to your office building’s roof and replacing any of its contents, including your computers.

Frequently asked questions

Is equipment breakdown insurance necessary for campgrounds and RV parks?

If your campground or RV park has a restaurant, bar, or general store on the premises, and any commercial appliances like a refrigerator breaks down because of a mechanical or electrical issue, equipment breakdown insurance may cover the costs to repair or replace it, as well as any food and drink spoilage up to a specified limit.

Is liquor liability coverage necessary for campgrounds and RV parks?

If your campground or RV park has a bar or restaurant that serves alcohol on the premises, liquor liability coverage is a must-have. Any establishment or its employees involved with serving alcoholic beverages may be held liable for damages or injuries that occur if it is determined alcohol consumption is a contributing factor in any incident. Your employees must be licensed to serve alcohol by provincial liquor service and sales programs such as Smart Serve in Ontario or ProServe in Alberta. 

Does campground and RV park insurance cover damages to boats or other equipment visitors rent?

If one of your guests accidentally damages a boat or other item they rented from you, your commercial property coverage may cover the costs of repairing or replacing it.

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Ready to start? Let’s get a quote!

Get started with a free quote from Zensurance. Our online application takes a few minutes to complete. Our friendly, licensed brokers are insurance experts who can guide you through the process, assess your risk profile, review your coverages, and get your campground or RV park the comprehensive protection it needs.