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RV Park Insurance
The RV Industry Evolution
The popularity of RV parks has surged in recent years, driven by the growing appeal of road trips, outdoor adventures, and flexible travel options. As more people embrace the RV lifestyle—whether for weekend getaways, extended vacations, or even full-time living—the demand for well-equipped and conveniently located RV parks has skyrocketed. Modern RV parks now offer a range of amenities, from full hookups and Wi-Fi to recreational facilities like pools, hiking trails, and community events, catering to both short-term travelers and long-term residents. This trend reflects a broader shift toward experiential travel and a desire for connection with nature, making RV parks a thriving segment of the hospitality and tourism industry.
Running an RV park has unique challenges and risks, from guest injuries and property damage to natural disasters and liability claims. That’s where RV park insurance steps in—a specialized type of coverage designed to protect your business and give you peace of mind. Whether safeguarding your property, covering third-party accidents, or ensuring your operations can recover after an unexpected event, the right insurance policy is essential for keeping your campground running smoothly. With tailored coverage options, you can focus on providing an excellent experience for your guests while knowing your business is protected.
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RV Industry by the Numbers
Statistics bear out the popularity of camping as a favorite pastime.
Insurance Options for RV Parks
As an owner/operator of a private RV park, you may have taken care of the basic needs for insurance with property and liability coverage. Still, some coverage options are unique to RV facilities, and you will want to discuss those with your agent.
Some of these coverage additions include but are not limited to the following:
Dock Coverage
You may want to double-check that your property coverage includes some coverage for any boat docks or marinas you may have on-premises. Be sure to inquire about coverage for flood coverage limitations and collapse coverage from the weight of ice, snow, or sleet. These perils must be protected from loss or damage in our Midwest climate.
Special Event Coverage
Many Campground owners offer special events around Independence Day celebrations with firework displays and on-premises cookout events. Fireworks Display coverage is very specialized, with strict stipulations on where, what, and who will be involved in the event. Most of the time, the local Fire Marshall must sign off on the display to qualify for display coverage. Other special events such as concerts, car shows, and fairs will need coverage specific to the event and these policies take some time to get approved, so if you are planning an event get with your agent sooner rather than later!
Pools & Swimming Areas
Pools and swimming areas are popular gathering areas for family and friends to enjoy the lake or outdoors in the summer. If your campground houses a pool, you will want to have your agent provide you coverage for liability exposures. Your insurance carrier will ask that specific stipulations and requirements be met in providing this coverage, such as on-duty lifeguards, lifepreservers' availability, and overall swimming pool or space safety.
Miscellaneous Coverage
​Some of these extras may include a General Store, Restaurant (this may also require some Liquor Liability), Laundry, LP Gas and Gasoline, Gun or Archery Ranges, Playgrounds, Water Skiing, Boats and Canoe Rental, Tennis, Basketball, and Volleyball Courts. As you can see, the list may be pervasive, so be sure to have your agent come out to inspect your premises and review your activities for coverage.
Cyber Liability
Cyber coverage is a recent development in camping, but many patrons at the RV site continue to use the campground’s Wi-Fi for remote work or to stream programming. Many clients book their stays and pay for camping fees online through e-commerce, so as a business owner, you should be sure you are protecting your business against cyber attacks.
Getting Help with RV Park Insurance
As the popularity and growth of the RV and camping industry continue, your role as the business owner and service provider to your clients also equates to more risk for you in protecting your property and your organization from financial loss due to liability issues. These factors directly link to your agent’s ability to advise and cover your business assets adequately.
At Loomis Insurance Agency, we have trained producers and account managers who are excited to work with you to develop a customized plan that meets your needs as a business owner.
Please don’t hesitate to reach out to us today!