Glamping Insurance Coverage Checklist
The coverages a glamping business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for glamping resorts and sites. Priorities reflect typical exposure for this class; confirm against your actual units and amenities.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability | Covers guest injuries from falling limbs, fire pits, decks, and trails. | Core | |
| Commercial Property | Covers tents, yurts, domes, and furnishings — confirm fabric structures are insurable property. | Core | |
| Business Income | Covers lost bookings after a fire, storm, or wildfire closure. | Core | |
| Workers' Compensation | Covers housekeeping, grounds, and maintenance staff. | Core | |
| Umbrella / Excess Liability | Adds limits for a fire or falling-tree death. | Prevalent | |
| Liquor Liability | Covers alcohol served or sold on site and at events. | Prevalent | |
| Inland Marine / Equipment | Covers boats, ATVs, and maintenance equipment. | Prevalent | |
| Flood / Wildfire Coverage | Fills gaps where the property policy limits flood or wildfire. | Situational | |
| Commercial Auto | Covers shuttles and guest transport. | Situational | |
| Cyber Liability | Covers online bookings and guest payment data. | Situational |
The coverage gap most often missed
The gap most often missed by glamping operators is coverage for the units themselves. Many property policies treat tents, yurts, and domes as outdoor property with low sublimits, or exclude them from windstorm and fire. Schedule each unit at its full value, confirm wind and fire are covered, and keep tree inspection records — a falling tree on a tent is one of the few claims that can exceed a basic liability limit.
Send us the checklist and we'll review your glamping coverage line by line, then market it across multiple carriers that compete for your account.
Related: Glamping Insurance · Glamping Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a glamping business need?
The core coverages for a glamping business are General Liability, Commercial Property, Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my glamping coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.