Campground Insurance
Protecting Campgrounds Is What We Do
From family campgrounds to destination RV resorts, we help owners navigate the unique risks of outdoor hospitality. With hundreds of campground clients across 19 states, Stockton-Hill Insurance provides specialized expertise, practical guidance, and coverage designed around the way your campground operates.
Campground Expertise
Liability coverage is built specifically for the unique risks and day-to-day operations of campgrounds. Swimming areas, rental cabins, golf cart, special events and guest activities create risks that general insurance agents rarely encounter.
Coverage Reviews
Insurance needs change as campgrounds evolve. Our team reviews the current coverage, operations and future plans to reduce coverage gaps and vulnerabilities providing the protection expected when needed.
Specialized Carriers Access
Stockton-Hill works with insurance carriers that specialize in outdoor hospitality businesses. This provides campground owners access to coverage options that may not be available through a general insurance agency.
Building the Right Coverage Strategy
Every campground operates differently. From seasonal campgrounds and RV resorts to properties with cabins, waterfront activities, and special events, insurance needs can vary significantly. We help owners understand the coverage options available and build a program that reflects the unique characteristics of their operation.
Property & Buildings
Campground may include offices, bathhouses, cabins, maintenance buildings, camp stores, and other structures. As construction costs rise, many owners discover their buildings are insured for less than current replacement costs. We review building schedules, replacement values, and improvements to help ensure your investment is protected.
Liability Risk Protection
Liability is often the biggest concern for campground owners. It only takes one accident to create a serious financial exposure. Swimming areas, playgrounds, bathhouses, fire pits, golf cart rentals, boat rentals, special events, and guest activities all create potential liability risks. We help owners evaluate these exposures and build protection around them to manage the risk.
Business Income & Specialty
Coverages that protect revenue and operations are also important to profitability. These may include rental value, utility services failure, inland marine equipment, umbrella coverage and liability for liquor usage, cyber security, employment practices, or workers compensation. We help determine which coverages fit your operation and which ones may not.
Your campground insurance agent
Success Stories
A Campground Is Not Just Another Commercial Property
A new campground owner approached Stockton-Hill after purchasing an outdoor hospitality property. The owner already had experience with commercial insurance…
When New Cabins Create New Insurance Risks
One of the most common issues Stockton-Hill encounters involves campground improvements that never get reported to the insurance company. A…
The Tennessee Campground That Was Missing Liquor Liability Coverage
A campground owner in Tennessee contacted Stockton-Hill looking for a quote comparison. Like many owners, they were primarily focused on…
Additional Insurance Risks
Additional Buildings & Property Improvements
Many campground owners invest in their property every year. New cabins, bathhouses, pavilions, maintenance buildings, playgrounds, and camp stores can increase revenue, but they can also create insurance gaps if coverage is not updated.
Reviews Include
- New cabins or rental structures added since the last policy review
- Updated replacement costs for existing buildings
- Property improvements and renovations
- Additional storage or maintenance buildings
- Building schedules that accurately identify every insured structure
Activities, Equipment & Recreational Amenities
The amenities and activities that make your campground attractive to guests can also create additional liability exposures. Rentals, recreational activities, or new equipment often create new insurance considerations. Making periodic reviews is an important part of protecting your operation.
New Amenities Include
- Golf cart rentals
- Boat, canoe, kayak, and watercraft operations
- Swimming areas, ponds, and lakes
- Fire pits, playgrounds, and recreational spaces
- Tractors, skid steers, and maintenance equipment
Events, Services & Operational Considerations
Campgrounds always look for new ways to enhance the guest experience, from special events and recreational activities to expanded services and amenities. These additions can create new opportunities for growth while introducing insurance considerations that are worth reviewing before they become part of your operation.
Activity Examples Include
- Alcohol sales and liquor liability exposure
- Weddings and recurring events
- Food service operations
- Utility services failure coverage
- Cyber liability and online reservation systems
- Seasonal closures and winterization procedures
- Fireworks displays and special celebrations
What our clients say
The staff at Stockton-Hill are amazing. No matter what I throw at them, and lately it’s been a lot, they always take amazing care of us. Megan always returns my calls and takes the time time to answer all of my questions. They always make me feel important and that I am not just a number. They work to get us the best rates for our needs and follow up to make sure we are happy with their services. I can honestly say that when it comes to insurance they always exceed my expectations!
They have been great to work with. They are able to get you answers quickly and make sure everything is ready to go.
Great company employees friendly and very helpful and knowledgeable
Let's explore your options
Whether you're requesting a quick personal quote or a detailed commercial review, you'll connect with a real person who listens, explains clearly, and follows through. Sharing your current policy summaries or insurance documents helps us provide faster, more accurate guidance tailored to your needs.
- inquire@stocktonhillinsurance.com
- (740) 642-3333
- Text: (740) 688-3050
- 10212 State Route 159, PO Box 648, Kingston, OH 45644
- M-F: 9am-5pm, S-S: Closed
Fax (877) 747-9032