Why Smart RV Park Owners Don’t Rely Solely on General Liability Insurance

Operating an RV park is a rewarding business—but it comes with risk. Every new guest means increased wear on your property, and even the most respectful RV travelers can accidentally cause damage. That’s why more and more owners are rethinking how they protect their investment—and realizing that general liability insurance isn’t enough.

At InsuraPark.com, we specialize in RV park insurance designed specifically for the realities of managing a high-traffic property. From broken utility hookups to damaged landscaping, the small incidents can add up quickly. Many owners make the mistake of using their general liability policy to cover these types of issues, only to find out later that it comes with hidden costs.

General liability coverage is essential, but it’s meant for large claims—like bodily injury or major legal exposure. When you start using it to pay for things like a $1,200 electrical pedestal repair or a torn-up sewer hookup, you risk seeing your premiums rise dramatically. Insurance companies monitor small, frequent claims just as closely as big ones, and repeated filings can make your policy more expensive—or harder to renew.

That’s where specialized coverage for RV park owners makes a real difference.

Instead of gambling with your GL policy, we help you protect your park with targeted RV park insurance that covers routine guest-caused damages—without triggering a spike in your primary premiums. From water spigots and picnic tables to Wi-Fi infrastructure and gravel pads, our plans are designed for exactly what park owners deal with on a weekly basis.

We’ve seen it all: guests pulling away too fast and tearing out connections, kids damaging equipment, RVs driving over sprinkler lines, or heavy rigs getting stuck and leaving ruts in the grass. These are common issues, not rare events—and they shouldn’t force you to choose between paying out of pocket or filing a claim that could hurt your long-term coverage.

With InsuraPark’s RV park protection plans, you can:

• Get reimbursed quickly for property repairs caused by guests
• Avoid filing small claims on your GL policy
• Maintain clean insurance records and stable premiums
• Cover damages even when you can’t identify the responsible guest

This is smart protection for RV park property—and a smarter way to run your business.

Your park represents a significant investment in time, money, and effort. You work hard to create a great experience for your guests. But when things break or get damaged, don’t risk the financial health of your business just to make a repair. Instead, protect your property and your future with specialized RV park insurance coverage that works with your general liability policy—not against it.

Learn how easy it is to get the coverage RV park owners need—without the costly consequences of using the wrong policy for the job.