Campsite Insurance

Specialty insurance solutions tailored to your unique needs.
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Campsite insurance coverage: the foundation of every great adventure.

Your campers seek the thrill of adventure. With XINSURANCE’s tailored insurance solutions, offer them a base camp fortified against uncertainties.

The Importance of Campsite Insurance

Campsite liability insurance is not just a policy—it’s an essential tool that protects the assets and interests of your campsite. In an industry where every site offers something unique, from adventure tours to tranquil retreats, the one common need is comprehensive protection against the unforeseen. Opting for cheap insurance might seem financially appealing, but it often fails dramatically when you need support the most, leaving unique amenities and specialized services uncovered and exposed to high risks.

At XINSURANCE, we recognize that your campsite isn’t just another plot of land but a unique destination offering memorable experiences. Whether your site provides thrill-seekers with zip-lining adventures or families a cozy fireside experience under the stars, our tailored solutions are designed to address the specific nuances of your operations. Don’t compromise on protection with substandard, cost-cutting insurance options. Trust XINSURANCE to protect your campsite with reliable, robust coverage.

Who Should Have Campsite Insurance

  • Private Campground Owners
  • Public Camping Facilities
  • Glamping Sites
  • Adventure Camps
  • Eco-Tourism Sites
  • Outdoor Recreation Areas
  • RV Park Owners
  • And More!
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Campsite Insurance Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Liquor Liability

Coverage for businesses that provide the sale, service, or furnish of alcohol. Learn more.

Watercraft Liability

Coverage for boats and watercraft used for personal or commercial use, including rentals.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal on campground property. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on campsite property. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

Special Events Liability

Liability insurance for organized events hosted on campsite property. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

Frequently Asked Questions About Campsite Insurance

What is campsite insurance?

Campsite insurance is a custom insurance solution designed for owners and operators of campsites, glamping sites, and RV parks, offering a safeguard against the unique risks and liabilities in running such businesses. It not only covers general aspects like property damage and guest injuries but also extends to specific outdoor recreational activities. This specialized insurance ensures that unexpected incidents, from natural disasters to accidents during adventure activities, don’t financially destabilize your operation. In essence, it provides peace of mind, enabling you to concentrate on delivering exceptional outdoor experiences while being protected against unforeseen legal and financial issues.

Can I get campsite insurance if my campground offers unique amenities like zip-lining or water sports?

Most insurance companies won’t provide insurance coverage for unique amenities you might find at a campsite. However, with XINSURANCE, you can obtain campsite insurance with coverage that can be extended to include unique amenities like zip-lining, water sports, inflatables, ATVs, guided tours, and other adventure activities. It is important to discuss these particulars with us.

Is campsite insurance required by law?

While not always legally required, campsite insurance is highly recommended to protect against potential lawsuits and financial losses. Certain locations and jurisdictions may have specific insurance requirements, so it is important to consult local regulations.

How does campsite insurance differ from regular business insurance?

Campsite insurance is tailored to the unique risks associated with outdoor lodging and activities, such as guest injuries, weather-related damages, and outdoor activity liabilities that may not be covered under a standard business insurance policy.

Does XINSURANCE offer glamping insurance?

Yes, we can provide liability insurance solutions for glamping. Whether you’re a business or individual, we can help! Read our blog on glamping insurance and what you need to know.

How much does campsite insurance cost?

The cost of campsite insurance varies depending on numerous factors, including the size of the campsite, the types of activities offered, the location, the claims history, the level of coverage desired, and more.

Contact us to tell us more about your insurance needs so we can provide a personalized quote.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service