Request your quote for campsite insurance.




There is no doubt that camping is a popular activity. In fact, there are more than 40 million people partaking in camping activities in the United States each year. It’s always nice to get out in the great outdoors and what better way to spend time with mother nature than visiting a campsite.

As a campsite owner or operator, you have responsibilities that require you to assess risk and take appropriate action. One highly recommended course of action, oftentimes required, is having liability insurance. XINSURANCE offers customized liability insurance solutions for campsite owners and we’ve been doing so over the last 40 years. If you’re looking for campsite insurance, we’re here to help!

campsite insurance and campgrounds insurance
campsite insurance and campgrounds insurance

What Is Campsite Insurance?

Our campsite insurance is for campsite owners and operators that (1) need this insurance and/or (2) can’t get insurance from another carrier because they’ve been canceled, denied, or non-renewed. Campsite insurance with XINSURANCE can provide you with customized coverage to ensure you have proper coverage and true peace of mind.

What Can Campground Insurance Cover?

We can cover various activities and amenities that may be offered at your campground, including:

Campsites have so much to offer and because of all the amenities, risk of injury, property damage, and other incidents or accidents are quite high. We’re happy to put together a customized solution that provides coverage for these types of activities that you may have at your campsite.

Why Do You Need Campsite Insurance?

We often find that you need campsite insurance because it is required by local or state laws. Regardless if it’s required by law, you should highly consider having liability insurance for your campgrounds. Having such insurance will protect you from lawsuits and can protect you and your assets in the case an incident or accident occurs on campsite property.

It may be obvious that you should have campsite insurance, but the hard part is finding it. It’s been reported that insurance companies are dropping coverage and no longer offering this kind of insurance. Fortunately, XINSURANCE is here to provide a solution and we can help campground owners even if you’ve been canceled, denied, or non-renewed by another insurance carrier.

If you want to have a long-lasting campsite, then it’s best to invest in the best campsite insurance offered to you!

Coverages Available With Campground Insurance

XINSURANCE offers customized coverage for campsite insurance through an all-in-one approach, meaning you can have multiple coverages under one policy.

Below are some available coverages you can have on your campsite insurance policy:

  • Active Shooter Coverage: Liability coverage in the case of an active shooter incident occurring on campsite property.
  • Alleged Assault & Battery Liability: Coverage for claims against you regarding assault and/or battery.
  • Alleged Sexual Abuse & Molestation Liability: Coverage for claims against you regarding sexual abuse and/or molestation.
  • Animal Liability: Coverage for third-party bodily injury and property damage caused by an animal on campground property.
  • Commercial Auto: Insures any vehicle that is used at the campsite for commercial purposes.
  • Commercial General Liability: Third-party coverage for bodily injury and property damage.
  • Communicable Disease Coverage: An endorsement to provide coverage for negligent exposure to any declared pandemic disease or pathogen, including COVID-19.
  • Equipment Rentals: Coverage for renting out units like ATVs, UTVs, boats, personal watercraft, etc.
  • Liquor Liability: Coverage for businesses that provide the sale, service, or furnish of alcohol.
  • Personal Liability: Can be offered to customers/campers for their own personal protection.
  • Property Coverage: Provides protection against various risks to campsite property such as a fire or wildfire, flooding, an earthquake, and more.
  • Special Events: Liability insurance for organized events hosted on campsite property.
  • Tru Umbrella: Additional coverage to fill the gaps and exclusions in your existing policy.
  • Watercraft: Coverage for boats and watercraft used for personal or commercial use.
  • And More: If you don’t see something listed, don’t worry, we’re happy to provide a customized insurance solution tailored to your needs!


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 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 Tru Umbrella coverage.

We offer an all-in-one approach, allowing you to get multiple insurance coverages under one policy. It also allows you to have broader coverage, up to $10M limits with higher limits available. Coverage for general liability, professional liability, personal liability, property, communicable disease, active shooter, commercial auto, assault and battery, sexual abuse and molestation, equipment rentals, and anything else, will all be under one policy.

Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for you or your business.

Get Your Free Campsite Insurance Quote

If you need insurance, please contact us at your earliest convenience. We can provide a free, no-obligation quote for campsite insurance. You can request a quote a by filling out the form at the top of this page and completing the application that follows. If you’d prefer to talk with us first, give us a call at 877-585-2853.

If you already have a campground insurance policy but you’re concerned about what coverage you have, then we would be happy to review your policy. We can help explain any coverage to you and we can identify any gaps that are leaving you exposed, all at no charge!

Remember, campsite insurance is a must-have for campsite owners and operators and XINSURANCE is here to provide the solution!

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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