For campground owners, liability insurance is vital.
As a campground owner, you could potentially be held liable for whatever happens on your grounds.
Insurance not only protects you against litigation, it also gives you peace of mind knowing that you will be covered is something should happen.
Since every campground is different, there are different types of policies to suit specific needs. Each one comes with a different level of coverage, so it is a good idea to check with your insurance provider to make sure you are fully covered.
When choosing liability coverage for your campground or recreational site, a good rule to remember is “If you offer it, insure it.” Some of the risks worth insuring on a campground are:
When you are running a campground, or an RV campsite - you need to take into account that there will be multiple large vehicles moving in and out of the property. There is a high chance for substantial damage to occur on your property - intentional or not. Be sure to check with your insurance provider about property insurance, to ensure that all aspects of your campground are covered.
Don’t forget to ask your provider about coverage for all your assets; not only for you but your guests and their property as well. Theft protection is a popular insurance policy. With campsites, there are many people in close proximity so the chance of theft is relatively high. Be sure you are covered is the case of theft.
As with any business, there are challenges - but with the proper coverage, you can ensure that guests who are staying on your campground have a safe and enjoyable experience, and that you are covered with a comprehensive insurance policy as well.