Owning a campground may seem like a walk in the park to some, but there are serious risks associated with providing lodging and offering recreational activities and amenities. For these and other reasons, there are certain requirements for the types of insurance campground owners must maintain.
Types of Insurance for Campgrounds
- General business liability: More than being required, general liability insurance is an excellent way for businesses to protect their assets. If someone is injured on your property, and you are found at fault, a liability policy will cover the damages.
- Commercial auto insurance: Any vehicles owned by the campground and used for business purposes should be covered by a commercial auto policy. This includes shuttles and maintenance vehicles.
- Special Policies: If you sell refreshments, especially alcoholic beverages, then you may need special insurance to cover those activities.
- Umbrella Coverage: An umbrella policy can be an affordable and flexible addition to existing insurance policies. It extends coverage and limits on your other policies.
- Worker’s Compensation: Most businesses, including campgrounds, are required to provide workers’ comp coverage for employees. This replaces wages and covers medical expenses if a worker is injured on the job or becomes ill due to working conditions.
Working with a knowledgeable outdoor insurance agency can help ensure that you meet applicable campground insurance requirements, such as workers’ compensation, liability, and auto coverage, and any special policies that apply to recreational or service activities on the property.