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Up North camping is a way of life — and your guests deserve a safe, memorable stay. But accidents happen, regulations keep evolving, and a general agent rarely understands the unique risks of a campground or RV park. We do. We tailor coverage for everything from the waterfront to the camp store so you can focus on a great season.
Campgrounds and RV parks blend lodging, recreation, food service, and waterfront access — each with its own liability. Add evolving local regulations and seasonal staffing, and it's easy to see why a specialist matters. We cover a wide range of outdoor-hospitality operations and tailor the program to your amenities. It's part of our broader hospitality program.
For rentals and waterfront recreation your guests enjoy on the water.
Coverage for the outdoor structures that standard property policies often miss.
Protection for guests' belongings while they're staying with you.
Coverage for the booking technology your season depends on.
For camp stores and any food or alcohol service on site.
Directors & officers protection and support after a serious incident.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your property.
Typically property and general liability, plus campground-specific coverages: guest and participant liability, watercraft liability, piers, fences and signs, and protection for your reservation systems. Coverage is subject to underwriting.
You can be. Guest and participant liability addresses injuries on your grounds — playgrounds, water access, and activities. Good coverage and solid risk management both matter.
It can. Piers, fences, signs, and watercraft liability are common add-ons for campgrounds with lake or river access here in Michigan.
Yes — private and franchised campgrounds, RV parks, seasonal leases, cabins and resorts, and religious and youth camps. Coverage fits how you host.
Coverage can extend to your reservation and booking systems and related exposures. We’ll tailor it to how your operation actually runs.
Get campground and RV park coverage built for the way you host. Talk with a local Michigan agent today.
