As camping surges in popularity, RV park and campground insurance is more essential than ever. Since 2021, more than 25 million people in the U.S. camped for the first time, trying everything from glamping to moonlit paddle boarding.

Alongside the growing numbers of Americans embracing full-time #VanLife, RV parks and campgrounds face evolving risks, including some that operators might not anticipate.

Philadelphia Insurance Companies (PHLY) is one of the largest underwriters of RV park and campground insurance and understands the distinct challenges this industry faces. As a carrier for groups such as Kampgrounds of America (KOA), American Association for Nude Recreation (AANR), and the National Association of RV Parks and Campgrounds (ARVC), we're experts at tailored insurance solutions for campgrounds.

So, what type of insurance does an RV park need? The short answer: flexible coverage that protects everything from paddling and pools to snack bars, spas, and special events.

What Common Risks Do RV Parks and Campgrounds Face?

Risk categories for RV parks and campgrounds boil down to three main areas: On-site activities, facility upkeep, and staff management. RV parks and campgrounds can mitigate their most common operational risks by implementing best practices and key safety protocols for each.

Activities and Amenities

Staying competitive in the camping industry often means constantly rolling out novel on-site amenities and activities. Proximity to local attractions draws many visitors. Campers, particularly millennials and Gen-Z, are more likely to extend their stays when campgrounds offer appealing features like pet-friendly areas, Wi-Fi access, gourmet food, and even "au naturel" spaces.

Family-friendly pursuits such as fishing and boating, swimming pools, playgrounds, and bike rentals are often covered by general liability coverage for RV parks and outdoor recreation insurance. With the surge in larger gatherings (such as weddings) and increased transport options to travel hubs, additional features such as Liquor Liability Coverage and Non-Owned/Hired Auto Coverage, both parts of PHLY's RV park insurance, are key.

When RV parks and campgrounds introduce new activities, such as guided hikes, "it's wise to consult with their insurance carrier beforehand to make sure that activity can be insured," said Glenn Harris, RV Park and Campground Product Manager.

Building and Grounds Upkeep

Facility upkeep is a must for campground risk management, especially as substantial losses can occur when campers slip, fall, or are struck by falling objects such as branches or ice (yes, "cold camping" is on the rise).

"Owners have made a significant financial investment in their RV park or campground. Keeping it safe will protect that investment," says Harris.

For both weekend visitors and longer-term campers who treat campgrounds as their "home away from home," kitchens, laundry rooms, bathing facilities, and gathering places are near-universal features. Campgrounds should keep these facilities well-kept for safety, conducting regular inspections for property damage, code violations, and possible repairs. These strategies can include:

• Regular service and inspection of electricity sources to check for correct amperage and frayed wires

• Periodic checks and maintenance of water sources, hookups, and septic systems to ensure they are safe, functional, and adequate for anticipated usage

• Regular review of procedures and storage for LP gas

• Seasonal reviews of concrete pads for cracks, deterioration, and stability

• Monitoring of on-site tree health to remove diseased or damaged limbs that can fall and injure campers

• Prompt clearing of debris and fallen branches from pathways to prevent falls and reduce the risk of brush fires

• Planning for extreme weather such as tornadoes, hurricanes, snow, and ice to minimize damage

Staff Management

It takes a team to keep parks running smoothly, so maintaining a safe, fulfilling environment for staff is also paramount to a park's success.

Campground clients should provide proper staff training for everyone from lifeguards and trail guides to van drivers and concession workers. PHLY's risk resources can help bridge the expertise gap when filling this wide range of roles. Our strategic partnerships cover:

• Orientation and training for new hires, including driver training and strategies for response to armed threats

• Liability coverage for medical professionals

• Training to keep concessions staff updated on handling procedures and necessary licenses

• CPR/AED (Automated External Defibrillator) training

• Vehicle telematics tools for monitoring driver behavior

"Ensuring staff comfort and knowledge makes for happy employees and happy guests," says Harris.

What Does PHLY's RV Park and Campground Insurance Policy Cover?

In addition to our industry-leading general liability coverage ($1 million per occurrence/$3 million in aggregate), PHLY's RV park insurance program also includes:

• Enhanced Property Coverage for outdoor areas and sewers and drains

• Liquor Liability Coverage

• Inland Marine Coverage

• Non-Owned/Hired Auto Coverage

• Crime and Fidelity Coverage (for instance, against employee theft)

• Coverage for LP gas sales

Our outdoor product underwriting team closely reviews each submission, applying endorsements for unique exposures such as paintball, sledding, and fitness centers as needed.

We've developed innovative solutions for agents, so your campground clients won't face coverage gaps. To learn more, visit our product page or contact us at 800-873-4552.