Colonial General Insurance Agency, Inc. offers a focused Campground Insurance program for agents and brokers placing coverage for campground parks, RV parks, and mobile home communities (tourist and permanent). With access to admitted and non-admitted markets, Colonial General helps you address the unique property, liability, and operational exposures common to these outdoor lodging operations.
Ideal Accounts and Appetite
This program fits a range of recreational and residential outdoor lodging operations, including:
- Campgrounds with tent sites and basic to full amenities
- RV parks with seasonal and transient guests, full hook-ups, and utility services
- Mobile home communities (tourist and permanent)
Accounts with additional exposures—such as an on-site camp store, food service, organized activities, rental equipment, laundry facilities, pools, or playgrounds—may be eligible. Underwriters evaluate activity-based amenities and higher-exposure operations case-by-case based on safety protocols and loss history. The program is geared toward small- to mid-sized owners and operators but can be scaled for larger sites through excess or admitted market placement where available.
Coverage Highlights and Advantages
Coverages are available on a monoline or package basis to suit your client’s needs. Key options include:
Property Coverages
- Building and Contents
- Business Income and Extra Expense
- Computer Equipment and Data Protection
- Equipment Breakdown
- Food Spoilage
- Inland Marine for mobile exposures
- Outside Signs
- Accounts Receivable and Valuable Papers
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value valuation
General Liability Coverages
- Primary limits available up to $3,000,000 Occurrence / Aggregate
- $5,000 Medical Payments included
- Blanket Additional Insureds available
- Liquor Liability (where applicable)
- Hired and Non-Owned Auto Liability
- Excess / Umbrella limits available up to $25,000,000
- No general liability deductible required
Crime Coverage
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary
- Outside the Premises coverage
Underwriting Notes
Colonial General leverages multiple carrier relationships to tailor solutions by account size, operation type, and location. Underwriters consider loss history, safety and maintenance programs, and the presence of higher-risk amenities (pools, playgrounds, RV clubhouses, rental equipment). While no specific minimum premium is listed publicly, the program is built to accommodate small- to mid-sized operations and can be structured through admitted or excess & surplus markets depending on state availability and risk characteristics.
Example fits:
- An RV park in Utah with 50+ full-service sites, a small camp store, and on-site laundry—seeking packaged property and liability with inland marine for portable equipment.
- A seasonal tent campground in Colorado with designated fire-pit areas and organized activities—requiring liability limits and equipment breakdown coverage for site utilities.
Territories and Availability
This program is available to agents and brokers placing business in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Availability of admitted versus non-admitted options varies by state and by the individual account profile.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche underwriting expertise with access to multiple admitted and non-admitted markets. Agents benefit from a responsive underwriting team, flexible packaging options, and placement capability for more complex liability needs through umbrella and excess lines. Use this program when you need tailored coverage for campgrounds, RV parks, or mobile home communities that may not fit standard market criteria.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Campgrounds, RV parks, and mobile home communities—both tourist and permanent—with amenities such as utility hook-ups, camp stores, pools, or organized activities are a strong fit. Higher-exposure features will be evaluated on safety and loss history.
Is the program available on an admitted basis?
Some admitted markets are available depending on the state and the account’s profile. Colonial General also places business in non-admitted markets when necessary.
Are risks with pools or playgrounds eligible?
Yes—these risks can be eligible. Underwriters will review safety features, maintenance records, signage, and prior losses when assessing eligibility.
Can I access umbrella or excess liability through this program?
Yes. Excess and umbrella limits are available up to $25,000,000 to help meet larger liability needs.
Which states is this program offered in?
The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Market options (admitted vs. non-admitted) may differ by state.
Need help placing an account? Connect with a market specialist.