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Warmer breezes are blowing in, though unevenly across country, spring is fast approaching and the season is beckoning Canadians to enjoy the nature most of us hide from in the winter months.
There are endless private campgrounds across the Great White North and all Canadian citizens get free access to the 46 National Parks in 2017 in celebration of 150-years since confederation.
Learn more about campgrounds insurance here.
All of those private campgrounds require general liability and property insurance and brokers are advised to consult the many campground associations for best practices information.
“Claim wise, it’s going to be from your premises upkeep, slip and falls. Property wise a lot of these campgrounds are out in the middle of nowhere, in unprotected areas, you get fire as a big loss exposure,” said Joe Rodewald, K&K Insurance Group Canada’s vice president & general manager.
“A lot of it depends on what amenities and what activities the campground offers, if they don’t have a lake or a swimming pool then the exposure isn’t going to be as severe.”
Rodewald said camping in an RV or a tent didn’t alter the risk exposure because the camper in the tent still probably has the car on the premises, which maintains the auto risk; and those in the RV are still spending most of their time outdoors.
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The Canadian Camping and RV Council, the National Campground Association, the Federation Consisting of the Provincial Campground Owners Associations across Canada, the Canadian Recreational Vehicle Association and the Recreational Vehicle Dealers Association of Canada were all resources Rodewald recommended to brokers.
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