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Bancorp Insurance

Comprehensive Insurance Programs for Business, Auto, Home, Life and Health

RV Parks · Campgrounds · Resorts · Glamping

Campground & RV Park Insurance

Tailored coverage for RV parks, campgrounds, and resorts — because a one-size-fits-all policy won’t protect your specific operation.

✓ 20+ Years Insuring RV Parks
✓ 100+ Carriers
✓ All 50 States
✓ Tailored to Your Operation

Buying · Opening · Expanding

Buying, Opening, or Expanding an RV Park?

Insurance is one of the most time-sensitive steps in any RV park transaction — and one of the most commonly left to the last minute. Getting the right coverage in place takes 2–3 weeks minimum. Start before you’re under pressure.

Read: 10 Questions to Ask Before You Close →

Why it matters at closing

⚡ Seller’s policy terminates at closing

⚡ Prior claims affect your options

⚡ Undisclosed amenities = gaps

⚡ Lender coverage requirements vary

Why Campgrounds & RV Parks Need Specialized Coverage

Recreational properties carry unique risks that standard business policies simply aren’t designed for. The wrong coverage — or not enough of it — can cost you everything.

Recreational Liability Is High-Risk

Guests relaxing on vacation can become injured guests filing lawsuits in an instant. A slip off a dock, a fall near the pool, a campfire incident — your general liability limits need to be high enough to protect your financial investment when someone gets seriously hurt on your property.

Policy Exclusions Can Leave You Exposed

Many standard policies include exclusions for ordinance of law, equipment failure, or water-borne diseases — all common exposures for campgrounds. Exclusions are where your insurer takes coverage away. Bancorp reviews every proposal to ensure your policy doesn’t have gaps that matter most to your operation.

Property Replacement Costs Are Underestimated

Do you have enough coverage to fully rebuild your structures after a fire? Many RV park owners don’t. The type of property coverage matters as much as the limits. Bancorp makes sure you have the right coverage type and the right limits to actually rebuild — not just partially recover.

What Your Campground & RV Park Policy Covers

Every policy is built around your specific operation — from a small riverside park to a full-service resort with guided activities, pools, and a bar.

Standard Coverage Includes:

✓General Liability — Bodily injury, property damage, slip-and-fall, dock and pool incidents

✓Commercial Property — Structures, facilities, and contents at replacement cost value

✓Equipment Breakdown — Pumps, generators, HVAC, water systems, and utility infrastructure

✓Commercial Auto — Maintenance trucks, shuttle vehicles, and on-property transport

✓Mobile Equipment Coverage — Snowplows, tractors, forklifts, and grounds equipment

✓Business Income & Extra Expense — Lost revenue during covered closures or repairs

✓Workers’ Compensation — Protection for maintenance staff, front desk, and seasonal employees

20+ Years Protecting RV Parks & Resorts

Bancorp Insurance has been insuring RV parks, campgrounds, and resorts in Oregon, Washington, and Idaho for over 20 years. We represent top carriers with programs specifically designed for recreational properties — not generic business policies.

●Coverage for pools, docks, guided activities & bars

●Serving OR, WA, ID, CA, NV, AZ, MT, WY & more

●Policy exclusion review included with every quote

●Coverage scaled to your park size and amenities

●120+ combined years of agent experience

Get Your Custom Quote

Pacific Northwest & Western U.S.

Regional Risks Require Regional Expertise

Operating a park in Oregon, Washington, Idaho, or the mountain West means navigating risks that generic commercial policies aren’t written around. Bancorp has spent 20+ years building coverage programs for exactly this region.

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Wildfire Exposure

Wildfire season runs June–October across OR, WA, ID, CA, and MT. We know which carriers still write in high-risk wildfire corridors and how civil authority provisions apply during evacuation orders — before you need to use them.

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Seasonal & Weather Risk

Cascades winter closures, high-country frost damage, PNW flooding, and spring runoff all affect campground operations and property values. Your policy should reflect the seasonal reality of your region — not a national average.

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State-by-State Compliance

Workers’ comp requirements, liquor liability rules, and environmental liability standards vary by state. Whether your park is in Oregon, Nevada, Arizona, or Wyoming, Bancorp ensures your policy meets local requirements.

Types of Properties We Cover

From a handful of riverside hookups to a full-service mountain resort, we have the right program for your operation.

RV Parks & Hookup Sites
Full-hookup and partial-hookup RV parks ranging from small riverside locations to large multi-amenity facilities.
Tent & Primitive Campgrounds
Traditional tent camping facilities, primitive sites, and group camping areas in forest, riverside, or lakeside settings.
Full-Service Resorts
Destination resorts with pools, restaurants, bars, guided activities, recreation equipment rentals, and event facilities.
Glamping & Cabin Rentals
Glamping sites, safari tents, yurts, and cabin rental properties offering upscale outdoor accommodations.
Seasonal & Winter Parks
Parks offering snowshoeing, cross-country skiing, snowmobiling, and other winter recreational activities alongside seasonal camping.
Waterfront & Marina Parks
RV parks and campgrounds with dock access, boat launches, swimming areas, and watercraft rentals on lakes or rivers.
Adventure & Guided Activity Parks
Properties offering guided rafting, zip lines, horseback riding, ATV tours, or other adventure activities for guests.
Fraternal & Group Camps
Scout camps, church retreat centers, group camping facilities, and private membership campgrounds.

Real-World Examples

Coverage Gaps That Cost RV Park Owners

These aren’t edge cases. They’re the calls we get from park owners who find out their policy didn’t cover what they assumed it would.

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The Pool Slip That Standard GL Didn’t Cover

A guest slipped on the pool deck. The park had a standard general liability policy — but the pool wasn’t scheduled as a covered location. The carrier denied the claim. Policy exclusions for specific amenities are more common than owners expect.

💡 Always confirm pools are explicitly listed — not assumed to be included.
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The Golf Cart Rental Nobody Insured

A family rented a golf cart. A child was injured. The park’s mobile equipment endorsement covered cart damage — not bodily injury when a guest was driving it. Two policies, one gap between them.

💡 Guest-facing equipment rentals require a specific liability endorsement.
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The Wildfire Evacuation Business Interruption Didn’t Pay

A California RV park was forced to evacuate guests for 6 weeks due to a nearby wildfire. No structures burned. The carrier denied the business interruption claim — the policy required “direct physical loss.” Evacuation alone didn’t qualify.

💡 Civil authority coverage provisions can fill this gap — if you have them.
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The Long-Term Resident Slip-and-Fall

A year-round resident sued after a fall. The insurer argued the resident had a “tenant relationship” excluded under the GL policy. The park hadn’t disclosed long-term residents to the carrier. The claim was contested for 18 months.

💡 Long-term residents change your liability profile. Disclose them upfront.

Bundle & Save on Related Coverages

Complete your coverage package by adding these essential policies to your campground or RV park program.

Workers’ Compensation

Oregon and most states require workers’ comp for any employer with staff — including part-time and seasonal workers. Protect your maintenance crew, front desk employees, and grounds team.

Learn More →

Business Auto Insurance

Cover your maintenance vehicles, guest shuttles, and any trucks or vans used to operate and manage your property.

Learn More →

Business Insurance

Protect your office, reservation systems, point-of-sale equipment, and store inventory with a comprehensive business owners policy.

Learn More →

Frequently Asked Questions

Common questions from campground and RV park owners — including buyers, new operators, and owners adding amenities.

What insurance do I need when buying an RV park?+
When purchasing an RV park, you need coverage in place at or before closing. At minimum: commercial property, general liability, business interruption, and workers’ compensation if you’re retaining staff. Due diligence should also include a review of the seller’s prior claims history and any open liability exposures. A gap review before closing can prevent inheriting someone else’s problem. Getting a proper policy in place takes 2–3 weeks minimum — don’t leave it to the week before close.
Does RV park insurance cover cabins and glamping structures?+
Yes — cabins, yurts, safari tents, and glamping structures can all be covered under a commercial property policy designed for campgrounds and RV parks. Standard business policies often exclude these non-traditional structures. It’s critical to work with a specialist who builds coverage around your actual inventory and schedules each structure explicitly.
Does campground insurance cover pools and playgrounds?+
A properly structured RV park policy includes general liability coverage for pools, splash pads, and playground equipment. However, coverage limits must be adequate — recreational liability is higher-risk than most commercial operations. Some carriers require additional scheduled endorsements for pools or require specific safety documentation. Pools not listed on the policy may result in denied claims.
Are golf carts and utility vehicles covered under RV park insurance?+
Golf carts and utility vehicles (UTVs/side-by-sides) used on the property are typically covered under a mobile equipment or inland marine endorsement — not standard commercial auto. If carts are rented to guests, that creates a separate liability exposure that requires a specific endorsement. Standard policies without this endorsement leave you exposed to bodily injury claims when guests are operating the vehicle.
Does RV park insurance cover long-term residents?+
Long-term residents (those staying 30+ days or year-round) create a different liability relationship than short-term campers. Some carriers exclude or limit coverage for semi-permanent residents. If your park has a mix of short-term guests and long-term residents, disclose this upfront — policies must be structured to address both groups. Undisclosed long-term residents are one of the most common reasons claims are contested.
Is wildfire covered under RV park property insurance?+
Wildfire damage is typically covered under commercial property policies, but the details matter: coverage limits, debris removal, ordinance-of-law provisions, and business interruption during evacuation periods all vary significantly by carrier and policy language. In high wildfire-risk states like Oregon, California, and Washington, carriers may apply sublimits or require defensible-space documentation. Bancorp works with carriers who continue to write in wildfire-exposed areas where others have pulled back.
What does business interruption insurance cover for a campground?+
Business interruption insurance covers lost revenue if your park is forced to close due to a covered event — fire, windstorm, equipment failure, or similar. It typically covers the income you would have earned during the closure period. Key question: does your policy include civil authority coverage? Without it, an evacuation order due to a nearby wildfire — with no physical damage to your structures — may not trigger a payout.
Do I need workers’ comp if I only have seasonal employees?+
Yes. Oregon and most states require workers’ compensation for any employee — including part-time and seasonal staff. Campground and RV park workers perform physical tasks (grounds maintenance, utility hookups, landscaping) that carry real injury risk. Non-compliance exposes you to state penalties plus personal liability for any injury claims.
Does RV park insurance cover events, food service, or a camp store?+
Events and food service require specific endorsements not included in a standard RV park policy. Liquor liability (if you serve alcohol), food contamination coverage, event cancellation insurance, and temporary vendor coverage all need to be added explicitly. Bancorp reviews these exposures with every client before a policy is bound — not after an incident occurs.
Can’t I just use a standard commercial property and GL policy?+
You can, but standard policies are rarely a good fit for campgrounds and RV parks. They often include exclusions for ordinance of law, equipment breakdown, and water-borne disease — all real exposures for recreational properties. They also may not provide adequate GL limits for the type of activities guests engage in on your property. A program built for RV parks gives you the right coverage without paying for things you don’t need.

Bancorp Insurance — La Pine, OR

Ready to Protect Your RV Park or Campground?

Whether you’re buying, opening, or already operating — Bancorp Insurance builds coverage around your actual operation. Policy exclusion review included with every quote.

Buying an RV park? Read our guide: 10 Insurance Questions to Ask Before You Close →

What Our Clients Say

RV park and campground owners across the Pacific Northwest trust Bancorp Insurance to protect their properties.