Campsite Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Campsite Insurance

If you’re an insurance producer looking to write more business and provide insurance solutions to your clients, then Prime Insurance Company is the partner for you. As a leading excess and surplus lines insurance company, Prime can write campsite insurance with confidence.

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure individuals who own a public or private campsite in the United States. Whether they need a brand new policy or if they have gaps and exclusions in their primary or homeowners policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best campsite insurance providers out there. Many campsite insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

  • Campsite Owners
  • Campsite Operators
  • RV Park Owners and Operators
  • Mobile Home Park Owners
  • Campground Staff (Instructors, Guides, Camp Counselors, Security Guards, etc.)
  • Special Event Hosts

Coverages (listed A-Z)

  • Active Shooter Liability Coverage
  • Alleged Assault and Battery Liability
  • Alleged Sexual Abuse and Molestation Liability
  • Animal Liability
  • Commercial Auto Coverage (available in most states)
  • Commercial General Liability
  • Communicable Disease Liability Coverage
  • Equipment Rental Liability
  • Liquor Liability
  • Personal Liability
  • Premises Liability
  • Property Coverage
  • Special Events Liability
  • TRU Umbrella / Excess Liability
  • Watercraft Coverage
  • And More


What's Covered With Campsite Insurance

A lot of insurance companies have gaps and exclusions in their policies that will likely not cover some of the examples listed below. Prime Insurance Company writes customized insurance policies based on the insured’s needs. Campgrounds can offer a variety of activities and amenities that Prime can cover, including:

  • RV Parks
  • Boating, Kayaking, Canoeing, etc.
  • Jet Ski Rentals
  • Playgrounds
  • Pools
  • Fireworks
  • Inflatables (Bounce Houses, Jump Pillows, etc.)
  • Golf Carts
  • Guided Tours (ATVs, Hiking, Biking, etc.)
  • Horseback Trails
  • Restaurants and Bars
  • General Stores
  • Special Events and Organized Activities for Guests
  • And More!

RV Park Insurance and Common Complaints

Prime can write RV Park Insurance to provide customized coverage for the insured and to help insurance producers expand their book of business. There are many risks associated with RV Parks but Prime is here to provide true peace of mind.

Camper Report lists the 10 most common complaints against RV parks, some of which can result in a lawsuit or claim against the park owner. Some of these include “bad electrical hookups” and “gross water” which can lead to a guest injuring themselves. Another common complaint is “feeling unsafe” whether it’s a suspicious guest or some campsite equipment that is outdated or improperly maintained.

There is only so much that an RV park owner can do to protect themselves so as an insurance company and your client’s insurance producer, we can work together to provide a customized RV park insurance policy that provides proper coverage and provides support should an incident, accident, or lawsuit occur.

Highlighted Risk: Campgrounds and Wildfires

RV Travel has recently reported that campground insurance rates are skyrocketing and a primary cause of that is wildfire.

Campgrounds in areas that are in a high-risk fire zone, such as California, Texas, Colorado, and Montana, are getting dropped insurance coverage by insurance companies. Many campground owners in these states struggle to find insurance as more and more insurance companies deny them the coverage they need.

Fortunately, Prime Insurance Company will still write this coverage and help campgrounds in need of specialty insurance. If you’re an insurance producer with campground clients in these high-risk wildfire states, let them know that we can offer a customized policy to provide them coverage and keep them in business.

Campground Insurance Providers and Prime Insurance

Looking for the best campground insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you.

Get A 'Campsite Insurance' Quote

Prime Insurance Company provides fast quotes 24/7. Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your campsite insurance quote today by clicking the “Get a Quote!” button above.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Campgrounds insurance is our expertise! 

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

*see for latest ratings
**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.