Insurance for Campgrounds in Maine, Massachusetts, New Hampshire, and Beyond

Choosing Insurance for Your Campground or RV Park 

Looking into what insurance your campground in Maine, Massachusetts, or New Hampshire needs is a critical piece to managing your business. Whether you got into the campground industry for the love of the outdoors, or you just wanted to be your own boss, you need to protect the investment you have made in your business. Campgrounds and RV parks often boast beautiful locations, but they also contain a number of safety risks- from campfire accidents, to slip and falls in washrooms. As a campground owner, you want to be sure that you have appropriate insurance coverage before an incident occurs.

What Insurance Coverages Should Campgrounds Consider? 

Knowing what insurance policies to select for your campground can be tricky. By talking with a local insurance agent about what services your campground or RV park offers, you can get a better idea of what coverages you should consider. Below are some common coverages that campground owners often consider.

• General Liability – Typically would provide coverage if a customer injured themselves
• Commercial Property – Can cover buildings, property
• Commercial Auto Coverage – If you own maintenance trucks or golf carts  
• Workers’ Compensation – May be required if you have employees
• Inland Marine – Typically will cover scheduled property such as canoes and kayaks
• Umbrella Liability Insurance – Added protection for claims that go above other policy limits

Insurance Quotes and Pricing for Campgrounds and RV Parks 

To request a quote for your campground, you can fill out our form here. From there, an insurance professional will collect more information and details on what policies and coverage limits you are interested in, where your business is located, and whether or not you have employees. These, and other factors, will determine what you will pay for insurance premiums. At Cross Insurance, we work with a number of insurance carriers, which means more options to choose from when it comes to selecting a plan. We have offices located in Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, New York, Connecticut, and Florida.

Safety Checklist for Campground Owners 

One way to potentially mitigate risk as a campground owner is creating a safety checklist. Below are some ideas of items to check around your campground to maintain a safe environment for yourself and your campers.

• Electrical hookups installed and regularly examined by a professional and meet codes
• Hot water in shower and bath houses regulated to cap an appropriate temperature
• Slip-resistant flooring or mats installed in relevant areas in shower and bath houses
• Property has designated areas where fire extinguishers can be easily accessed
• Educate campers on where they can safely build campfires and how to fully extinguish them
• Ensure buildings have the appropriate amount of smoke alarms and fire extinguishers
• Post Code of Conduct and appropriate safety signs in easy to see places
• If your campground has a playground, inspect structures for wear and tear
• Proactively provide maps of your campsite to emergency services
• If you have a pool, make sure it is fenced
• Keep first aid kits and consider first aid training for your employees

Additional Insurance Coverages to Consider 

Every campground and RV park has a unique set of amenities and offerings. If you have concerns about additional coverage needs for these, talk to your local insurance agent. Here are some common additional coverages that apply to campground businesses.

• Gasoline Sales
• Watercraft
• Equine
• Liquor Liability  
• Crime
• Cyber
• Special Events
• Trailer Spotting

Cyber Insurance for Your Campground 

Are you wondering if Cyber coverage is right for your campground or RV park? If you take payments online such as security deposits, it may be worth considering. As businesses like campgrounds become more and more reliant on technology, possible data breaches are becoming less of an “if” and more of a “when”. Cyber liability coverages vary, but typically cover things like recovery of compromised data, notifying customers about a data breach, and associated legal fees. How much you will pay for a policy will depend on a number of things such as your network security and claims history. You can read more about cyber coverages here.

Recap 

In order to protect the investment you have made in your campground or RV park, you need to be sure you have appropriate insurance coverage. Some common coverages for campgrounds include general liability, commercial property, workers’ compensation, and inland marine coverages. You should connect with a local insurance agent to discuss unique features of your campground, such as hosting special events or selling propane or gas to see if you should consider additional coverages. Creating a safety checklist is one way to potentially mitigate risk as a campground owner.  

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This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.