Campgrounds use pickups, vans, utility vehicles, trailers, maintenance trucks, and sometimes carts or shuttles. Commercial auto liability generally addresses covered third-party injury or property damage arising from a scheduled business vehicle; physical damage coverage, hired/non-owned auto, and attached equipment are separate questions. This is business insurance, not personal auto or personal RV insurance.
The NAIC notes that a personal auto policy may exclude business-related liability. A commercial auto policy may be written alone or within a broader program, but the vehicle, driver, ownership, territory, and use must match the account.
Build a vehicle-and-driver schedule
Record title or lease status, vehicle identification, garaging location, radius, annual mileage, towing, attached equipment, and physical-damage value. Identify employees, contractors, guests, and volunteers who drive; document licensing, motor-vehicle checks, training, keys, inspections, and incident reporting. Describe whether a cart is street legal, used only on private premises, or transported by trailer rather than assuming one policy responds to all uses.
Separate vehicle coverage from equipment coverage
Ask about liability symbols, hired and non-owned auto, permissive use, loading and unloading, physical damage, towing, employee-owned vehicles, and vehicles used at events. A commercial auto form may exclude a vehicle or use that was not disclosed. A rental agreement or certificate does not by itself settle responsibility; an equipment form may be needed for a generator, mower, or other property carried by the vehicle.
Retain registrations, leases, maintenance records, driver rules, and vendor contracts. Start a commercial campground coverage review and quote request through The Southern Agency’s existing quote portal. The issued forms, endorsements, exclusions, conditions, jurisdiction, and loss facts determine coverage.