RV Park and Campground Insurance Options: Is Your Campground Covered?
Are you looking for insurance for your campground or RV park?
When choosing an insurance policy for your RV park, it’s important to take into account the risks that are involved with the high number of multiple large vehicles and motorhomes that are arriving and exiting, as well as the general risks that are involved when providing overnight stays for guests. Additionally, fun activities that RV parks offer –such as canoeing, horseback riding, fishing, and archery –all come with their own sets of risks and liabilities and require additional coverage.
Below are some valuable insurance coverage options that campground and RV parks can benefit from.
Basic RV Park Insurance Coverage:
General Liability –
A general liability insurance policy provides liability coverage for campground owners in case of third party property damage, or if a guest sustains an injury while on your property. This coverage will pay for your legal defense costs, as well as damages that are awarded for claims.
Property Insurance –
Property insurance includes coverage for the property and your buildings. Policies can provide coverage in the event of fire, theft, vandalism, or a number of perils that are listed on your policy.
Commercial Auto –
Commercial auto insurance offers coverage for company vehicles as well as employees who are operating the vehicles.
Umbrella insurance is a special liability insurance that offers additional coverage for potential liabilities that might not be covered under other policies.
Workers Compensation –
In the event that your employee sustains a work-related illness or injury, you and your company could be held liable. Workers compensation offers coverage for medical bills and a portion of lost wages for your employees, helping to prevent you from having to pay out of pocket for these expenses.
Additional RV Park or Campground Insurance Coverage:
If you offer horseback riding, it’s important to make sure that you protect yourself against liabilities with an equine insurance policy.
Boat rental insurance offers protection against losses or liabilities related to boats or watercraft that your campground rents.
Dock or Marinas –
Docks and marinas present a risk to campground owners. Protect yourself with a liability insurance policy that includes docks or marinas.
State requirements for RV parks and campgrounds vary from state to state, so be sure you brush up on the basic coverage requirements for your state. Contact Texas Outdoor Insurance with any questions you have concerning your responsibilities and liabilities as a campground or RV park owner.