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glamping insurance

Glamping Insurance: What You Need to Know

What is Glamping

Glamping is short for “glamorous camping” and represents a simplified and elevated version of camping. The term describes a style of camping consisting of more upscale accommodations and facilities. In a nutshell, the customer experience is much more premium than camping.

The Risks of Glamping

Working as an RV or campground owner or operator requires you to be responsible for a wide variety of issues that may come up while running your business. We want to make sure you have the right insurance coverage to protect you from the potential risk of these incidents. The following are some of the risks of running a glamping business that could potentially result in insurance claims:

  • Lawncare risks, including care of pets, debris, and lots of plants
  • Utilities, including propane, electricity, water, heating, and more
  • Vehicles and equipment
  • Advertising and promotional materials

The types of risks may vary widely depending on the location, the owners or operators, and the type of venue.

Glamping Insurance and Coverages

We understand the unique demands and risks inherent in owning and operating a glampsite or any camping business. In fact, here are some examples of glamping insurance coverage that you can acquire:

  • Insuring all your campsites in case of fire
  • Commercial liability for your campground
  • Personal liability for anyone staying at your campsite
  • Liquor liability for serving or selling alcohol on glampsite property
  • Alleged assault and battery coverage for protection against claims for assault and battery
  • Insuring your guests from liability for injuries and property damage
  • Insuring all campgrounds and all types of equipment in your vehicles
  • Insuring the vehicles used at the glampsite for commercial purposes
  • True umbrella coverage to fill the gaps and exclusions in your current policy
  • Communicable disease coverage for negligent exposure to any declared pandemic disease or pathogen, including COVID-19

XINSURANCE can provide customized coverage solutions to ensure true peace of mind for glampsite owners as well as any glampers on the property.

How Can XINSURANCE Protect Your Business

XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide true umbrella coverage.

Business owners often find their insurance needs are not being met, sometimes due to a variety of misperceptions about what is and isn’t covered. Other times, insurance policies can get canceled, denied, or non-renewed by an insurance provider. If a claim against you arises, you may be left to fight on your own.

Speaking of claims, we live in a frivolous society and lawsuits occur all the time. XINSURANCE doesn’t back down from lawyers and we fight frivolous lawsuits. We have an in-house team of legal professionals (as well as underwriters, risk management experts, and more) that will be with you every step of the way should a lawsuit ever occur.


Whether you’re a high-end campground owner, an RV park owner, or you run a campground with one or more theme-oriented family hotels, glamping properties, or ski lodges, you’re in the hospitality industry. The hospitality industry, including glamping, is known for being highly regulated so you must have liability insurance coverage to protect yourself and your property from frivolous lawsuits.

At the end of the day, glamping is elevated camping which usually means elevated risks. When it comes to protecting your business and protecting your customers, there is no one-size-fits-all solution. Plan your risks carefully and work with XINSURANCE as your experts who specialize in dealing with your unique risks.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.