Top O' Michigan Insurance Solutions
    

Insuring Fun and Safety at Your Campground

It is important that your campers and guests enjoy themselves and have a fun and safe stay.  Unfortunately, accidents can happen.  Owners and operators of campgrounds, RV parks and resorts have specific insurance requirements that can also change with local laws and ordinances.  If you're not working with an insurer that specializes in campgrounds and resorts, you could be risking more than you think.

Eligible Properties include:                            

  • Private Campgrounds
  • Franchised Campgrounds
  • RV Campgrounds
  • Long-term lot leases, seasonal or year-round
  • Tourist or Tent Camping
  • Cabins and Resorts
  • Conference Centers
  • Religious Camps
  • Recreational Boating/Canoeing
  • Swimming Pools and Playgrounds
  • Horseback Riding
  • Fishing and Hunting Camps
  • Restaurant, General Store and/or Bar
  • Outfitters & Guides
  • And more...

Property

Our campground program offers a broad selection of coverages for your building, inventory, equipment as well as protection against your loss of income if you're forced to close as a result of covered claim.  Some highlights include:

  • Business Income - Actual Loss Sustained
  • Blanket Property Coverage
  • Card Key Systems
  • Computer Coverage
  • Emergency Evacuation Response
  • Equipment Breakdown
  • Fences and Signs
  • Property of Others
  • Piers and Docks
  • Money & Securities
  • Ordinance or Law
  • Personal Property of Owners Covered
  • Property Off-Premises
  • Reservation Systems
  • Spoilage
  • Utility Services - Business Income
  • Utility Services - Direct Damage
  • Water Back-Up from Sewer/Drains
  • And more...


Liability

In addition to your General Liability for the premises, our program delivers the important coverages campground owners want including:

  • Additional Insured - Grantor of Franchise
  • Auto Liability
  • Bodily Injury and Property Damage
  • Contractual Liability
  • Crisis Response
  • Cyber Liability
  • Employment Practices Liability
  • Directors & Officers Liability
  • Sponsored Tournaments or Special Events
  • Liability for Guest's Property
  • Liquor Liability
  • Watercraft Liability
  • Umbrella

Our Locations

Alpena
514 N Ripley Blvd
Alpena, MI 49707

 Local: (989) 356-6133

Hillman
150 State St
Hillman, MI 49746

Local: (989) 742-4574

Traverse City
3183 Logan Valley Rd
Traverse City, MI 49684

Local: (231) 947-1164

Iron River
117 W Genesee St, Ste 1
Iron River, MI 49935

Local: (906) 265-5137

Petoskey
1170 Bay View Rd, Ste B
Petoskey, MI 49770

Local: (231) 347-4610

Gaylord
440 W Main St, Ste F
Gaylord, MI 49735-1401

Local: (989) 705-8664

Oscoda
PO Box 39
Oscoda, MI 48750-0039

Local: (989) 739-1461