Exposure 01 / Recreation
Pools and Water Features
Pools, hot tubs, splash pads, lazy rivers, and slides combine water quality, access, supervision, equipment, and guest-injury exposures.
Explore this exposure : Pools and Water FeaturesRisk AnalysisCampground Insurance
Campground Insurance
Risks & Exposures
Your campground has more going on than most insurance applications show. Explore the specific exposures that change underwriting.
Campground exposure atlas
Weather & environment
Exposure 02 / Recreation
Golf Carts
Park-owned and rented golf carts create vehicle, guest-injury, property, employee-driving, charging, and contract exposures.
Explore this exposure : Golf CartsExposure 03 / Recreation
Waterfront Operations
Lakeside, riverside, and coastal campgrounds combine water access, docks, rentals, swimming, shoreline property, weather, and changing water levels.
Explore this exposure : Waterfront OperationsExposure 04 / Stays & gathering
Cabins and Glamping
Cabins, yurts, safari tents, and other lodging units add building, guest-safety, contents, and income exposures to a campground operation.
Explore this exposure : Cabins and GlampingExposure 05 / Environment
Coastal Wind
Wind, storm surge, flooding, salt, debris, and long utility outages can affect a coastal campground's property, access, and seasonal revenue.
Explore this exposure : Coastal WindExposure 06 / Infrastructure
Propane Sales
Propane sales, cylinder exchange, dispensing, storage, and delivery add fire, products, pollution, property, and commercial-vehicle exposures.
Explore this exposure : Propane SalesExposure 07 / Stays & gathering
Restaurants and Bars
A campground restaurant or bar adds food, alcohol, kitchen equipment, employees, suppliers, property, and event exposures to the park's insurance review.
Explore this exposure : Restaurants and BarsExposure 08 / Stays & gathering
Events
Festivals, weddings, tournaments, and concerts temporarily add crowds, vendors, structures, traffic, food, alcohol, and cancellation exposure.
Explore this exposure : EventsExposure 09 / Stays & gathering
Seasonal and Extended-Stay
Longer stays change occupancy, agreements, guest property, utilities, maintenance, access, and revenue exposures for campground owners.
Explore this exposure : Seasonal and Extended-StayExposure 10 / Environment
Wildfire and Wildland Interface
Wildland vegetation, smoke, evacuation, access, utilities, and rebuilding conditions can interrupt a campground even when flames do not reach every structure.
Explore this exposure : Wildfire and Wildland InterfaceExposure 11 / Environment
Flood and Surface Water
River overflow, coastal surge, stormwater, drainage failures, and changing water levels can damage campground property and interrupt access, utilities, and revenue.
Explore this exposure : Flood and Surface WaterExposure 12 / Environment
Hail and Severe Convective Storms
Hail, tornadoes, straight-line wind, lightning, and heavy rain can damage campground roofs, utilities, signs, vehicles, and guest infrastructure.
Explore this exposure : Hail and Severe Convective StormsExposure 13 / Infrastructure
Electrical Infrastructure
Power pedestals, transformers, distribution systems, generators, and guest hookups can create equipment, fire, injury, property, and interruption losses.
Explore this exposure : Electrical InfrastructureExposure 14 / Recreation
Playgrounds and Dog Parks
Playgrounds and dog parks concentrate guest movement, falls, animal interactions, equipment maintenance, and supervision on a small campground footprint.
Explore this exposure : Playgrounds and Dog ParksBrowse the field guide
Every exposure includes a concise summary and a direct route to its detailed guide.
Recreation
4- Read guide : Pools and Water Features
Pools and Water Features
Pools, hot tubs, splash pads, lazy rivers, and slides combine water quality, access, supervision, equipment, and guest-injury exposures.
- Read guide : Golf Carts
Golf Carts
Park-owned and rented golf carts create vehicle, guest-injury, property, employee-driving, charging, and contract exposures.
- Read guide : Waterfront Operations
Waterfront Operations
Lakeside, riverside, and coastal campgrounds combine water access, docks, rentals, swimming, shoreline property, weather, and changing water levels.
- Read guide : Playgrounds and Dog Parks
Playgrounds and Dog Parks
Playgrounds and dog parks concentrate guest movement, falls, animal interactions, equipment maintenance, and supervision on a small campground footprint.
Stays & gathering
4- Read guide : Cabins and Glamping
Cabins and Glamping
Cabins, yurts, safari tents, and other lodging units add building, guest-safety, contents, and income exposures to a campground operation.
- Read guide : Restaurants and Bars
Restaurants and Bars
A campground restaurant or bar adds food, alcohol, kitchen equipment, employees, suppliers, property, and event exposures to the park's insurance review.
- Read guide : Events
Events
Festivals, weddings, tournaments, and concerts temporarily add crowds, vendors, structures, traffic, food, alcohol, and cancellation exposure.
- Read guide : Seasonal and Extended-Stay
Seasonal and Extended-Stay
Longer stays change occupancy, agreements, guest property, utilities, maintenance, access, and revenue exposures for campground owners.
Infrastructure
2- Read guide : Propane Sales
Propane Sales
Propane sales, cylinder exchange, dispensing, storage, and delivery add fire, products, pollution, property, and commercial-vehicle exposures.
- Read guide : Electrical Infrastructure
Electrical Infrastructure
Power pedestals, transformers, distribution systems, generators, and guest hookups can create equipment, fire, injury, property, and interruption losses.
Environment
4- Read guide : Coastal Wind
Coastal Wind
Wind, storm surge, flooding, salt, debris, and long utility outages can affect a coastal campground's property, access, and seasonal revenue.
- Read guide : Wildfire and Wildland Interface
Wildfire and Wildland Interface
Wildland vegetation, smoke, evacuation, access, utilities, and rebuilding conditions can interrupt a campground even when flames do not reach every structure.
- Read guide : Flood and Surface Water
Flood and Surface Water
River overflow, coastal surge, stormwater, drainage failures, and changing water levels can damage campground property and interrupt access, utilities, and revenue.
- Read guide : Hail and Severe Convective Storms
Hail and Severe Convective Storms
Hail, tornadoes, straight-line wind, lightning, and heavy rain can damage campground roofs, utilities, signs, vehicles, and guest infrastructure.
Coverage Planning
Every park has a unique risk profile.
Document the exposures that apply to your park, then discuss the relevant policies, exclusions, limits and deductibles during your coverage review.
Start Your Coverage Review