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Why RV Park Insurance Isn’t a Luxury—It’s a Lifeline
Running an RV park is more than providing a place to park—it’s about creating a welcoming, safe space for travelers, families, and seasonal guests. But every warm campfire, happy hour, and peaceful stay comes with responsibility. One electrical issue, slip on a gravel path, or unexpected storm can turn your peaceful property into a costly liability. That’s why commercial RV park insurance is essential. At Craven Insurance, we help owners like you stay protected, so you can focus on what you do best—hospitality.
Common Risks RV Park Owners Face
Your guests bring their homes on wheels—and their expectations. While RV parks offer charm and freedom, the risks are real. Here are just a few scenarios we’ve seen:
- A guest trips over a loose paver on the way to the showers
- A tree limb falls on an RV during a storm
- A child is injured on playground equipment
- Flooding damages your electrical hookups
Without the right insurance, any of these could result in lawsuits, lost income, or major repair costs.
Coverages Every RV Park Should Consider
This protects against third-party bodily injury and property damage claims. It’s your frontline defense when things go wrong.
Covers buildings, restrooms, clubhouses, fences, signage, and business personal property in case of fire, theft, or weather damage.
Protects you from damage or malfunction to electrical, water, and sewer connections that are vital to guest services.
If a guest is injured on-site, this coverage can help pay their medical bills, even if you’re not legally liable.
If you have staff maintaining the grounds, handling reservations, or cleaning facilities, this covers work-related injuries.
If a storm forces you to shut down, this helps replace lost income and operating costs while you rebuild and recover.
The Cost of Being Unprepared
Let’s break down the numbers. Not having commercial RV park insurance could cost you more than just money—it could cost your business. Here’s a look at the average cost of common claims:
| Type of Incident | Average Cost Without Insurance | Recommended Coverage |
|---|---|---|
| Slip & Fall Injury | $45,000+ | General Liability |
| Storm Damage to Property | $75,000–$200,000 | Property Insurance |
| Hookup Damage (Electrical/Water) | $15,000–$40,000 | Utility Systems Coverage |
| Guest Injury with Medical Needs | $10,000–$25,000 | Guest Medical |
Who Needs RV Park Insurance?
If you own or operate a property where RVs park for any period of time—seasonally, monthly, or overnight—you need coverage. This includes:
- Campgrounds and RV resorts
- Trailer parks and mobile home communities
- Public or private RV parks
- Seasonal or event-based RV camping sites
Whether you host 10 sites or 200, Craven Insurance can tailor a policy to match the scale and scope of your operation.
How Craven Insurance Helps RV Parks Stay Covered
At Craven Insurance, we know that every RV park is as unique as the guests it hosts. Some are tucked into mountain hideaways. Others sit along scenic highways. No matter where you are, our RV park insurance specialists will help you build a policy that:
- Fits your budget
- Covers the essentials—no fluff, no gaps
- Gives you peace of mind for every season
We don’t just sell policies—we build relationships. When you call, you’re talking to someone who understands what RV parks need.
Time to Review Your Current Policy?
If it’s been more than a year since you reviewed your coverage—or if you’ve made changes to your site—it’s probably time to re-evaluate. Ask yourself:
- Have I added new hook-ups or amenities?
- Has my guest capacity increased?
- Am I covered if a storm shuts me down?
- What’s my plan if a guest sues?
If these questions leave you uneasy, we’re just one call away. Let’s make sure your coverage still fits your business.
Let’s Keep Your Park Rolling Smoothly
RV life is all about freedom. But for park owners, freedom comes from being prepared. A comprehensive RV park insurance policy gives you the confidence to welcome every guest, every season, without fear of what might go wrong.
Let Craven Insurance help you build a protection plan that’s as solid as the ground your guests park on.
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Have questions? Call us at 360-341-7200—we’re here to help you protect your park and your peace of mind.
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