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Owning and operating an RV park isn’t just about offering a patch of land and a few hookups. It’s about creating experiences, memories, and a sense of community for travelers across the country. But just like the guests who stay in your park, your business needs protection from the unexpected. At TWFG ~ Burridge Family Insurance, we understand the unique risks RV park owners face—and we’re here to help.
Comprehensive Property Coverage
Your park might include cabins, clubhouses, bathhouses, laundry facilities, and other structures. Property coverage ensures these vital components are protected from fire, storm damage, vandalism, and other risks.
Liability for Guest Injuries
Accidents happen—slips, trips, or even campfire mishaps. Liability insurance helps cover legal fees and medical expenses if a guest is injured on your property, giving you peace of mind.
Environmental Risk Protection
RV parks often operate near lakes, rivers, or forested areas. Coverage for pollution liability, wastewater issues, or fire hazards helps ensure your business is protected from costly environmental claims.
Why Insurance for RV Parks Is Different
Running an RV park is unlike any other property-based business. You're managing short-term guests, open-access land, and utilities that support mobile living. That creates a unique set of liabilities. At TWFG ~ Burridge Family Insurance, we work with insurance carriers who specialize in this niche, providing custom-tailored solutions that traditional property policies simply don’t cover.
What’s Typically Included in an RV Park Insurance Policy?
| Coverage Type | What It Protects |
|---|---|
| General Liability | Injuries to guests, third-party property damage, and legal defense costs |
| Commercial Property | Cabins, office buildings, pools, playgrounds, and other structures |
| Business Interruption | Lost income during a closure due to covered perils like fire or storm |
| Equipment Breakdown | Failures of essential utilities such as power boxes or water pumps |
| Cyber Liability | Data breaches from online reservations or guest information theft |
| Employee Practices Liability | Claims related to hiring, firing, or workplace conduct |
Real Risks, Real Solutions
Imagine this: a storm blows through and takes out the trees lining your premium spots. Power is lost, and your bathhouse floods. Guests are frustrated. You’re losing income by the hour. With the right RV park insurance in place, you’re not alone. We help you file claims fast, restore operations, and keep your business running.
We’ve worked with RV parks that cater to families, retirees, and seasonal guests—and each one has unique needs. That’s why we don’t believe in one-size-fits-all coverage. Our team will assess your park’s layout, amenities, and exposure to tailor a policy just for you.
Tips to Lower Your Insurance Costs
- Install security cameras and lighting in common areas
- Keep detailed maintenance logs for all utilities and buildings
- Provide clear signage and safety rules for pools, fires, and recreational areas
- Host seasonal safety training for staff
- Bundle coverage types to maximize discounts
Let’s Make Sure You’re Covered
You’ve worked hard to create a welcoming and well-run RV park. Let’s make sure it stays that way. Our team at TWFG ~ Burridge Family Insurance is ready to walk you through your coverage options, explain what matters most, and design a plan that protects your property, your income, and your peace of mind.
Have questions or want to see how your current policy stacks up? Let’s talk. We’re your partner in protection—right here, whenever you need us.
Request a Quote
Call us today at 972-926-5355 to get started.