Owning and operating an RV park is about more than providing spaces and hookups. It is about creating a welcoming place where families gather, travelers rest, and long-term guests feel at home. Your property becomes part of someone’s road trip story, weekend retreat, or seasonal lifestyle.
But with that opportunity comes responsibility. From property damage and guest injuries to weather events and liability claims, RV park operations carry unique exposures. That is where RV park insurance plays a critical role. At TWFG ~ Burridge Family Insurance, we help park owners protect their investment, their income, and the experience they work so hard to provide.
Why RV Park Insurance Is Different
An RV park is not just a piece of real estate. It is a business that combines elements of hospitality, property management, and outdoor recreation. Standard commercial property insurance alone is not enough.
A comprehensive RV park insurance policy typically addresses:
- Commercial property coverage for buildings and structures
- General liability insurance for guest injuries
- Premises liability for slips, trips, and falls
- Utility and equipment coverage
- Business interruption insurance
- Commercial auto coverage for maintenance vehicles
Because your property is open to the public and often exposed to the elements, coverage needs to reflect real-world risks.
Core Coverages for RV Park Owners
| Coverage Type | What It Protects |
|---|---|
| Commercial Property Insurance | Office buildings, bathhouses, clubhouses, maintenance facilities |
| General Liability Insurance | Guest bodily injury and property damage claims |
| Business Interruption | Lost income due to covered property damage |
| Equipment Breakdown | Damage to electrical systems, water systems, and utilities |
| Umbrella Liability | Additional liability protection above primary limits |
Depending on your operation, you may also need coverage for pools, playgrounds, laundry facilities, rental cabins, camp stores, or recreational amenities.
Weather and Natural Exposure Risks
RV parks are uniquely vulnerable to windstorms, hail, flooding, wildfire, and other severe weather events. Electrical pedestals, signage, fences, and landscaping can all suffer damage. Guests may also seek shelter or evacuation during emergencies.
Commercial property insurance and business income coverage work together to protect both physical assets and revenue streams when unexpected weather events interrupt operations.
Liability Risks on Your Property
Guests come to relax, but accidents can happen. Uneven ground, wet surfaces, dog bites, falling tree limbs, and recreational activities can all create liability exposures.
General liability insurance for RV parks helps cover medical expenses, legal defense costs, settlements, and court judgments if your business is found responsible for bodily injury or property damage.
Liability limits matter. A serious injury claim can exceed standard policy limits quickly, which is why many RV park owners carry commercial umbrella insurance for additional protection.
Business Interruption: Protecting Your Income
Imagine a storm damages your office building or utility systems, forcing you to close temporarily. Even a short shutdown can mean cancelled reservations, refund requests, and lost seasonal revenue.
Business interruption insurance helps replace lost income and cover ongoing expenses while repairs are made. For seasonal parks, proper coverage limits are especially important because lost time during peak months can significantly impact annual revenue.
Operational Risk Snapshot
Percentage of claims tied to guest injury or liability events.
Claims related to weather-related property damage.
Losses involving equipment breakdown or utility failure.
These trends highlight the importance of a well-rounded insurance program that addresses both property and liability exposures.
Additional Coverage Considerations
Every RV park is different. Some offer long-term tenant sites. Others operate as short-term destination parks. Amenities such as swimming pools, boat docks, event spaces, and camp stores create additional exposures.
You may need:
- Liquor liability coverage if alcohol is sold
- Employment practices liability insurance
- Cyber liability coverage for online reservations
- Workers compensation insurance for employees
- Crime coverage for theft or fraud
A tailored RV park insurance package ensures these elements are addressed within a coordinated risk management plan.
How TWFG ~ Burridge Family Insurance Supports RV Park Owners
At TWFG ~ Burridge Family Insurance, we understand the seasonal rhythms and operational realities of RV park ownership. We take the time to review your property layout, occupancy patterns, revenue streams, and long-term goals.
Our approach includes:
- Reviewing replacement cost values for buildings and infrastructure
- Evaluating liability limits and umbrella coverage needs
- Assessing weather-related exposures
- Aligning business interruption limits with peak season revenue
We believe insurance should support your growth, not slow it down. When you have the right RV park insurance in place, you can focus on delivering a great guest experience instead of worrying about worst-case scenarios.
Let’s Protect What You’ve Built
Your RV park is more than a business—it is a destination. Protect it with comprehensive RV park insurance coverage designed for property damage, liability protection, business interruption, and operational risk.
Contact TWFG ~ Burridge Family Insurance at 972-926-5355 to review your current policy or request a customized quote. Let’s make sure your park, your guests, and your income are protected for the road ahead.
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