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By: Dax Kastrin

Owner of Elemental Risk Management

505-933-6511

General Liability Insurance

Property Insurance

Worker's Compensation

What Insurance Does an RV Park Need?

If you own a series of recreational businesses, you must have your own set of challenges. Even though these businesses ensure cash flow and let you pay for your expenses better than most people, you will have to look out for potential threats. Being in business requires you to be vigilant and constantly on edge about your future endeavors and financial status.

If you are an owner of an RV park, your business might be a source of joy and excitement for many people. They come to spend some time to relax or let their kids have a well-spent day out. While this can be a great source of income for you, certain risks are involved that can cause a significant financial loss in their wake. Therefore, it is essential to get campground insurance that covers the external damage and lets you maintain your businessman stature.

What is Campground Insurance?

Suppose you have an RV park or other camping grounds that are an excellent income source for you. You build your business by providing your services to your customers. In that case, you need to have insurance that covers all the extra expenses and the inevitable damages for an unforeseeable future. Any mishap can happen at your premises, for which you have to be prepared beforehand. Otherwise, your business can take a severe financial hit.

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Types of Insurance for RV Park in New Mexico

General Liability Insurance

While everyone is enjoying and having fun, an accident is the last thing on their mind. However, someone might slip and fall somewhere and injure themselves. They might be enjoying their time at water slides, slide villas, space basketball, or jumping pillows. One wrong move and their foot twists, incurring a severe injury on arms. Even if someone is just visiting, they might trip over the firewood and hit their head on a wooden piece.

Since the accidents have happened at your premises, you will have to pay for the damage caused. In most cases, the customers can blame you for negligence, causing you thousands of dollars for the sustained injury. However, you will be protected against all the charges if you have general liability insurance, even if you were at fault.

Pollution Liability

A recreational business has a hoard of cars, trucks, and other vehicles coming in and going out on a daily basis. These vehicles can be a significant cause of pollution in the surroundings. Therefore, you should get a pollution liability policy that protects you against accidents caused by leaks and spills.

Workers Compensation Insurance

The campground insurance varies by state. In most cases, all the workers in a business faculty are required to have worker's compensation insurance, which covers the employees' medical costs. Any injury incurred on the workspace will be covered under this insurance policy. It also covers the cost of illnesses or disabilities caused to employees during work-related tasks.

Employment Practices Liability Insurance

Every business has its ups and downs, successes and pitfall – something that might or might not sit well with current employees or former employments. Instances have been recorded in which a former employee has lodged a complaint against the business owner on baseless grounds. In some cases, they might claim that their termination was unfair; therefore, they need to be reimbursed for the mental and financial damage. In other cases, a lawsuit can be filed against the owner of a company on the grounds of discrimination among staff members. All of these instances can cost you a lot of money. From hiring a lawyer to resting your case, it will require time and money to get rid of the problem at hand.

However, if you have employment practices liability insurance, you can protect your business from such lawsuits and false allegations without spending tons of money.

Commercial Auto Insurance

If you have transportation services in your recreational business, you need to get your vehicle insured to save yourself from auto damage. You might think that your personal insurance policy will cover the expenses of all the vehicles. However, if an automobile is involved in transferring goods to your business, your personal insurance will not cover it. You have to get commercial auto insurance against liability, collisions, medical or comprehensive payments, and other physical damages.

Property Insurance

Most recreational businesses involve offices and other structural monuments that need to be protected against property damage. Therefore, you need to have property insurance to cover the buildings and their contents.

Campground Equipment Insurance

Campground equipment insurance covers the damage to the equipment involved, such as boats, tractors, lawnmowers, carts, tables, or other equipment used in the RV parks.

Business Owner Policy

The place where you conduct your business, the buildings involved and their contents, other premises, loss of income, and other liabilities will be covered under business owner policy. You can get enhancements and extensions on this policy according to your needs.

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If you own an RV park or a campground that is your source of income, you need to take necessary precautions to ensure that you and your business are safe from lawsuits and other financial damages. This is because running a business in an outdoor setting full of rides, joy, and fun might not be as fun as it seems. It can be a bit challenging to cover your assets. While others enjoy their time at your place, make sure to have your own fun by securing your business from potential threats.

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