RV Park Insurance
An RV park is open every hour of every day, and so is your liability exposure. RV Park insurance protects your property, your guests, and your business from the risks that come with running an outdoor hospitality operation around the clock.
Big Property, Bigger Risks. Coverage Built for Both.
Running an RV park means managing a constant flow of guests, vehicles, utilities, and on-site amenities across a large piece of property. Slip and fall accidents, utility hookup failures, guest disputes, and storm damage are not hypothetical risks, they are the everyday realities of operating an outdoor hospitality business. Standard commercial policies were not built with RV parks in mind.
Commercial General Liability
Covers bodily injury and property damage claims filed by guests, visitors, or vendors injured anywhere on your property, from campsites and bathhouses to common areas and parking lots.
Commercial Property Coverage
Protects your owned structures and park infrastructure including offices, restrooms, laundry facilities, utility hookups, and signage against fire, storm, vandalism, and other covered perils.
Business Interruption Coverage
Compensates you for lost revenue when a covered event forces a temporary closure or reduces your park's capacity during peak booking seasons when income is most critical.
Equipment Breakdown Coverage
Covers the repair or replacement of essential park systems including electrical pedestals, water and sewer connections, and HVAC units when mechanical failure disrupts guest stays and daily operations.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Independent RV Park and Campground Owners
Smaller parks and family-owned operations face the same liability risks as larger resorts with fewer resources to absorb unexpected losses. The right policy protects your property, your guests, and the income your business depends on throughout the season.
Large RV Resorts and Multi-Amenity Parks
Parks offering pools, clubhouses, dog runs, activity centers, and long-term site rentals carry significantly greater liability and property exposure. Comprehensive coverage ensures every amenity, every structure, and every guest interaction is properly protected at scale.
For Every RV Park Owner Who Knows This Is More Than a Hobby
RV park ownership comes with a level of operational complexity and liability exposure that most general business policies underestimate. Whether your park serves weekend travelers or long-term residents, your coverage needs to reflect the full scope of what you manage.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does my general business policy cover everything an RV park needs?
Rarely. General commercial policies are designed around traditional business operations and often exclude or underinsure the specific risks that come with outdoor hospitality properties. Utility hookup liability, guest vehicle damage, seasonal revenue loss, and the sheer size of most RV park properties all require coverage provisions that a standard policy may not include. Working with an agent who understands the RV park industry ensures your policy is built around how your business actually operates rather than how a generic form defines it.
Are long-term residents covered differently than short-term guests?
Yes, and this distinction matters significantly for your coverage. Short-term guests passing through on a trip carry a different liability profile than long-term residents who essentially treat your park as their permanent address. Long-term tenants may trigger landlord-tenant legal considerations depending on your state, which can affect how liability and property damage claims are handled. Disclosing your mix of short-term and long-term occupancy to your agent ensures your policy is structured to address both types of guests appropriately.
What if a guest's RV damages park infrastructure like electrical pedestals or water hookups?
This is one of the more common and often overlooked exposures RV park owners face. Damage to utility pedestals, water connections, and sewer hookups can be costly to repair and may leave multiple campsites unusable during the process. Depending on how the damage occurred and who is at fault, your commercial property coverage may respond, or the guest's own RV or auto policy may be the primary source of recovery. Having clear written policies for guests and working with your agent to understand how your coverage responds in these scenarios is essential to protecting your infrastructure and your income.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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