RV Park & Campground Insurance Coverage Checklist
The coverages a rv park & campground 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 RV parks, campgrounds, and glamping sites. Priorities reflect typical exposure; confirm against waterways, utilities, and rentals.
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 |
|---|---|---|---|
| Commercial General Liability | Covers guest injuries from trees, utilities, fires, water, and activities. | Core | |
| Flood Coverage | Covers park buildings and cabins — excluded from standard property policies. | Core | |
| Commercial Property & Business Income | Covers buildings, utilities, and lost site revenue. | Core | |
| Pollution Liability | Covers septic, dump station, and fuel releases. | Prevalent | |
| Umbrella / Excess Liability | Adds limits for a flood, fire, or drowning. | Prevalent | |
| Golf Cart / Rental Equipment Liability | Needed if carts or boats are rented to guests. | Situational |
The coverage gap most often missed
The most commonly missed exposure for this class is flash flooding at riverside sites. The 2010 Albert Pike flood killed 20 sleeping campers when a river rose 20 feet overnight, and the July 2025 Texas floods killed more than 130. Parks near rivers and creeks need a written flood plan, a way to alert every site at night, and flood coverage — which standard property policies exclude.
Send us the checklist and we'll review your rv park & campground coverage line by line, then market it across multiple carriers that compete for your account.
Related: RV Park & Campground Insurance · RV Park & Campground Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a rv park & campground business need?
The core coverages for a rv park & campground business are Commercial General Liability, Flood Coverage, Commercial Property & Business Income. 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 rv park & campground 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.