1001 Adelaide St N, Unit 202, London, ON N5Y 2M6
1-226-667-33539:30AM - 5:00PM ET Weekdays
Oracle RMS Insurance

Campground & RV Park Insurance

Industry Insurance — Oracle RMS Insurance

Campground & RV Park Insurance

Comprehensive insurance for campground operators, RV parks, glamping sites, and outdoor recreation businesses.

Request a Free Review226-667-3353

Campground and RV park operators face unique insurance exposures — guest injuries on recreational facilities, weather damage to property, vehicle incidents on site, and the seasonal nature of operations. Standard commercial policies are rarely adequate for the complexity of campground risks. Oracle RMS works with campground operators across Canada to build insurance programs that address the full scope of their exposure.

Who needs this coverage?

Campground operators, RV park owners, glamping sites, motorhome parks, camping resorts, adventure parks, outdoor event venues, and any business that provides outdoor accommodation or recreational facilities to guests.

Key coverages

  • Commercial general liability
  • Guest injury and premises liability
  • Commercial property (buildings, facilities)
  • Business interruption
  • Commercial auto (campground vehicles)
  • Equipment breakdown
  • Liquor liability (if applicable)
  • Umbrella / excess liability
  • Seasonal closure coverage

Frequently Asked Questions

What insurance does a campground operator need?
Campground operators need commercial general liability (for guest injuries and property damage), commercial property (for buildings and facilities), business interruption, and commercial auto for campground vehicles. Glamping operations may also need additional property coverage for unique structures.
Are campground guests covered under the operator's insurance?
The campground operator's liability policy covers claims made by guests for injuries or property damage caused by the operator's negligence. Guests are responsible for their own personal property and should carry their own travel or tenant insurance.
What is seasonal closure coverage?
Seasonal closure coverage protects campground operators against losses that occur during the off-season when the property is unoccupied. Standard policies may have vacancy clauses that reduce or eliminate coverage after a property has been vacant for a specified period.
Do campgrounds need liquor liability insurance?
Campgrounds that sell or serve alcohol — at a camp store, restaurant, or event — need liquor liability insurance. Canadian liquor liability legislation varies by province and imposes liability on licensees who serve alcohol to visibly intoxicated persons.
How does weather damage affect campground insurance?
Campgrounds are exposed to significant weather-related losses — storm damage to buildings and facilities, flooding, and wind damage. Commercial property policies cover most weather perils, but overland flood typically requires a separate endorsement or policy.

Ready to review your coverage?

Speak with a licensed broker at Oracle RMS — by phone, video, or in person. We serve businesses across Canada.*

Get a Free QuoteCall 226-667-3353

* Commercial insurance services available across Canada, excluding Quebec.