RV Park Insurance
Comprehensive RV park insurance that safeguards your property and protects against guest-related incidents, giving you the peace of mind to focus on creating memorable experiences while knowing your investment is secure.
Trust your RV park's protection to experts who understand the unique hospitality risks.
With over 25 years specializing in RV park operations and campground management, our expert advisors bring comprehensive understanding of outdoor hospitality risks to every client relationship. We work closely with you to develop insurance solutions that safeguard against guest liability, property damage, and recreational activity exposures while anticipating seasonal operational challenges. Our commitment to ongoing support ensures your RV park maintains robust protection as your facilities and visitor attendance grow.
Our licensed insurance professionals specialize in coverage for RV parks and campgrounds, from boutique destinations to large-scale recreational complexes. Through continuous monitoring of hospitality regulations, state camping requirements, and property safety standards, we stay ahead of evolving industry challenges. This proactive approach ensures your policy provides comprehensive protection against guest injury claims, property damage incidents, and recreational liability exposures.
We go beyond standard coverage to provide comprehensive protection tailored to your RV park operations. Our policies cover everything from property and equipment damage to liability and guest injuries, and from natural disaster coverage to business interruption protection, ensuring your campground operations remain completely safeguarded.
Hear from our customers
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Have been a client for almost 7 years. Kristina catches the phone on the first ring, makes me feel like I am the most important call of her day and always goes the extra mile to meet my needs or solve my problem. She is a keeper!!! She makes TWFG Khan Insurance Services better!!!!
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My Company CDS Protective Services LLC was in need of insurance and I was so frustrated that other companies had not getting back with me. I called Kristina on a late afternoon and had it all taken care of by the next morning. Kristina was knowledgeable and explained everything to me on the phone.
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Our company was in need of insurance and we were frustrated through other companies not getting back with us. I called Sameer on a late afternoon and had it all taken care of by 11:00 the next morning. He was knowledgeable and explained everything on the phone.
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TWFG Khan Insurance Services assisted our small family owned trucking company with commercial insurance in our first year of business. They were able to get us with the best company that would provide us a policy with the lowest rate. Not only that but their staff provides the most exceptional service, especially Chandler Bennett.
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Comprehensive professional protection, tailored to your industry's unique risks and compliance needs.
• Protection for physical structuresincluding campground buildings, permanent cabins, maintenance facilities, and recreational amenities against damage or destruction from covered perils.
• Coverage for business propertyincluding office equipment, maintenance tools, recreational equipment, and guest amenities stored on the RV park premises.
• Protection against natural disastersincluding coverage for damage from storms, lightning strikes, floods, and earthquakes to park infrastructure and facilities.
• Equipment breakdown protectioncovering essential systems like electrical panels, water treatment facilities, sewage systems, and campground maintenance equipment.
• General liability coverageprotecting against guest injuries, slip-and-fall accidents, and property damage claims occurring within park boundaries.
• Premises liability protectioncovering incidents related to swimming pools, playground equipment, hiking trails, and other recreational facilities.
• Vehicle operation coverageincluding golf carts, maintenance vehicles, courtesy shuttles, and other motorized equipment used within park grounds.
• Special event liabilityprotecting against incidents during organized activities, community gatherings, seasonal celebrations, and recreational programs.
• Lost revenue protectioncovering income losses due to temporary closures, natural disasters, utility failures, and other covered business interruptions.
• Extra expense coverageincluding temporary relocation costs, emergency repairs, temporary facility rentals, and essential service restoration expenses.
• Supply chain disruptionprotection for losses related to utility services, essential supplies, maintenance materials, and vendor interruptions.
• Seasonal income protectioncovering revenue losses during peak camping seasons, holiday periods, special events, and scheduled activities.
• Environmental liability coverageprotecting against pollution incidents, chemical spills, groundwater contamination, and environmental damage claims from operations.
• Cyber security protectioncovering data breaches, reservation system failures, guest information theft, and electronic payment system compromises.
• Employee practices liabilityprotecting against wrongful termination, discrimination claims, harassment allegations, and workplace misconduct incidents.
• Professional services coveragefor guest activity instruction, equipment rental operations, guided tours, and recreational program supervision.
On average, RV Park insurance costs around $3,500 annually; however, individual premiums vary based on several factors:
RV parks in flood zones or wildfire-prone areas face higher premiums due to increased risk of catastrophic property damage claims.
Larger parks with more RV spaces generate higher liability exposure, resulting in premium adjustments based on total occupancy potential.
Parks featuring swimming pools, playgrounds, or boat docks require higher coverage due to increased guest accident potential.
Parks with gated entries, surveillance systems, and emergency protocols may qualify for lower premiums through reduced theft risks.
Year-round facilities typically pay higher premiums than seasonal parks because of extended exposure to liability and property risks.
Frequently Asked Questions
Quick answers to questions you may have. Can’t find what you’re looking for? Contact us here.
A comprehensive RV park policy should include general liability, premises liability, and recreation liability coverage at minimum. These protect against guest injuries, property damage, and activity-related incidents. Additional coverages like pollution liability may be required depending on your amenities and location. Regular risk assessments help determine necessary coverage levels. Maintain detailed documentation of safety protocols and incident reports to support claims and potentially reduce premiums through demonstrated risk management.
Standard RV park policies typically cover weather-related damage, but coverage limits and specific perils vary by region and provider. Flood and earthquake coverage usually require separate policies or endorsements. Ensure your policy includes business interruption coverage for weather-related closures. Implementing and documenting preventive measures, such as storm preparation protocols and regular maintenance, can improve claims outcomes and may qualify for premium discounts.
Basic liability coverage includes standard amenities, but high-risk facilities may require additional endorsements or separate coverage. Swimming pools, playgrounds, and recreational facilities must meet specific safety standards and inspection requirements. Some insurers mandate specific safety measures, like fencing or supervision protocols. Regular maintenance records, safety inspections, and posted rules are essential for maintaining coverage and defending against claims.
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For over a decade, TWFG Khan Insurance Services has been the trusted partner for businesses across Texas and neighboring states. We specialize in complex insurance solutions for maritime, oil & gas, and construction industries where standard coverage isn't enough.
Don't let gaps in coverage put your business at risk. Our team of specialists will work with you to create a comprehensive protection plan that keeps your business secure and compliant.
Join the hundreds of businesses who trust us with their most critical insurance needs.
