Premises liability
Guest injury across sites, roadways, pools and communal areas.
Business Insurance
RV park insurance for campgrounds and sites.
Transient guests, electrical hookups, pools and open ground. An RV park is a premises liability business first and foremost.
RV parks and campgrounds carry a broad premises exposure across a large site, with guests arriving and leaving constantly. Hookups, roadways, pools, playgrounds and communal buildings all generate claims, and the utilities infrastructure is a specific exposure most operators underestimate.
Hookups, amenities and park-owned units
Electrical hookups are the exposure carriers ask about most. Faulty pedestals damaging a guest's RV or causing injury is a recognised claim, and inspection and maintenance records matter directly.
Pools, laundries, clubhouses and playgrounds each add premises liability. Where the park owns rental units or park models, those are property assets in their own right and need scheduling separately from the land and buildings.
What it covers
The parts of a rv park insurance policy
Buildings and units
Offices, laundries, clubhouses and any park-owned rental units.
Utilities and hookups
Electrical pedestals, water and sewer infrastructure across the site.
Loss of income
Site income lost while the park cannot operate after a covered loss.
Working with us
What we do differently
We are an independent agency, so we place your rv park insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Keep electrical hookup inspection and maintenance records
- Schedule park-owned units separately from the buildings
- Review pool and playground liability against your amenities
Common questions
RV Park Insurance, answered
What is the biggest exposure at an RV park?
Premises liability across the whole site, with electrical hookups a specific concern. Faulty pedestals damaging guest vehicles or causing injury is a recognised claim type, so inspection records matter.
Are guests' RVs covered by my policy?
Not as property — guests insure their own vehicles. Your policy responds where the park was responsible for the damage, such as a faulty hookup or a falling tree you had been warned about.
Do I need cover for the pool?
Pools materially increase premises liability and carriers rate for them. Fencing, signage and supervision arrangements all feed into the terms available.
Related cover
Often arranged alongside this
RV Insurance
An RV is a vehicle when it is moving and a home when it is parked. The policy has to handle both.
Read moreApartment Owners Insurance
A multifamily building is a property risk and an income stream at once. Losing the second usually hurts more than repairing the first.
Read moreCommercial Property Insurance
Property cover repairs the building and replaces the contents. Business interruption replaces what you could not earn while that happened — and it is usually the larger number.
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