Campground insurance explained

What are the differences in camping insurance, such as being in a RV compared to being in a tent?

Campground insurance explained

Insurance News

By Will Koblensky

Even in the coldest parts of the country, winter weather is on its last legs meaning more opportunities to explore the outdoors.

There are tens of thousands of campgrounds throughout America and every one of them needs some form of general liability and property insurance with some staffed camping grounds being offered workers’ compensation.

Though Joe Rodewald now works for K&K Canada, another home of camping, he hails from the company’s head office in Fort Wayne Indiana.

“One of our biggest claims over the years in the US is LP tank explosion. Is it common? No. But the severity’s there,” Rodewald said.

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“Claim wise, it’s going to be from your premises upkeep, slip and falls. Property wise a lot of these campgrounds are out in the middle of nowhere, in unprotected areas, you get fire as a big loss exposure.”

The amenities being offered are also a factor, with risks going up when proximities to lakes or swimming pools are involved.

But being in an RV or a tent doesn’t change the liability equation, Rodewald explained, because both types of campers would spend most of their days outdoors and the camper in a tent still likely has their car on the premises, maintaining the vehicle exposure.

Rodewald advised brokers to consult local camping associations to learn best practices.


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