Campground Insurance
Protecting Campgrounds Is What We Do
From family campgrounds to destination RV resorts, we help owners navigate the unique risks that come with outdoor hospitality. With hundreds of campground clients across 19 states, Stockton-Hill Insurance provides specialized expertise, practical guidance, and coverage designed around the way your campground operates.
Campground Expertise
Liability coverage built for the way campgrounds actually operate. Swimming areas, rental cabins, golf cart, special events and guest activities create risks that general insurance agents rarely encounter.
Coverage Reviews
Insurance needs change as campgrounds evolve. Our team reviews the current coverage, operations and future plans to reduce coverage gaps and vulnerabilities to\ provide the protection expected when it’s needed.
Specialized Carriers Access
Stockton-Hill works with insurance carriers that specialize in outdoor hospitality businesses. This provides owners access to coverage options that may not be available through a general insurance agency.
What we Do
Building the Right Coverage Strategy
Every campground operates differently. From seasonal campgrounds and RV resorts to properties with cabins, waterfront activities, and special events, insurance needs can vary significantly. We help owners understand the coverage options available and build a program that reflects the unique characteristics of their operation.
Property & Buildings
Campground may include offices, bathhouses, cabins, maintenance buildings, camp stores, and other structures. As construction costs rise, many owners discover their buildings are insured for less than current replacement costs. We review building schedules, replacement values, and improvements to help ensure your investment is protected.
Liability Risk Protection
Liability is often the biggest concern for campground owners. It only takes one accident to create a serious financial exposure. Swimming areas, playgrounds, bathhouses, fire pits, golf cart rentals, boat rentals, special events, and guest activities all create potential liability risks. We help owners evaluate these exposures and build protection around them to manage the risk.
Business Income & Specialty
Coverages that protect revenue and operations are also important to profitability. These may include rental value, utility services failure, inland marine equipment, umbrella coverage and liability for liquor usage, cyber security, employment practices, or workers compensation. We help determine which coverages fit your operation and which ones may not.
Campground Insurance Success Stories
A Campground Is Not Just Another Commercial Property
When New Cabins Create New Insurance Risks
The Tennessee Campground That Was Missing Liquor Liability Coverage
Additional Buildings & Property Improvements
Many campground owners invest in their property every year. New cabins, bathhouses, pavilions, maintenance buildings, playgrounds, and camp stores can increase revenue, but they can also create insurance gaps if coverage is not updated.
Reviews Include:
• New cabins or rental structures added since the last policy review
• Updated replacement costs for existing buildings
• Property improvements and renovations
• Additional storage or maintenance buildings
• Building schedules that accurately identify every insured structure
Activities, Equipment & Recreational Amenities
The amenities and activities that make your campground attractive to guests can also create additional liability exposures. The amenities and activities that make your campground attractive to guests can also create additional liability exposures. Rentals, recreational activities, or new equipment often create new insurance considerations. Making periodic reviews is an important part of protecting your operation.
New Amenities Include :
• Golf cart rentals
• Boat, canoe, kayak, and watercraft operations
• Swimming areas, ponds, and lakes
• Fire pits, playgrounds, and recreational spaces
• Tractors, skid steers, and maintenance equipment
Events, Services & Operational Considerations
Campgrounds always look for new ways to enhance the guest experience, from special events and recreational activities to expanded services and amenities. These additions can create new opportunities for growth while introducing insurance considerations that are worth reviewing before they become part of your operation.
Activity Examples Include:
• Alcohol sales and liquor liability exposure
• Weddings and recurring events
• Food service operations
• Utility services failure coverage
• Cyber liability and online reservation systems
• Seasonal closures and winterization procedures
• Fireworks displays and special celebrations
Hello, I’m Josh Dille
Sales Manager / Commercial Lines Agent
Josh Dille is a Sales Manager/Commercial Producer at Stockton-Hill Insurance, handling Personal and Commercial insurance. He has been with the agency for 5 years and focuses on building strong client relationships by providing tailored protection that secure both their businesses and their families. Josh specifically specializes in recreational and outdoor-based businesses, bringing expert insight to clients who operate in the adventure and nature-based sectors.
Originally from Laurelville, OH, Josh is a graduate of Logan Elm High School and Hocking College. He remains deeply connected to his roots and stays active in the local community by coaching youth sports. When not working, Josh enjoys spending time with his family, camping, and staying active through playing and coaching sports.
Our Partners
“Stockton Hill is always responsive and clear. Whether it’s a question, a change, or a claim, they explain things in a way that makes sense and follow through every time.”
“We feel confident knowing our coverage is reviewed proactively and that someone will actually answer the phone if something happens.”
“Their team helped us clean up gaps we didn’t even know existed. The peace of mind alone was worth it.”
Areas We Serve
Alaska, Arizona, Arkansas, Colorado, Florida, Georgia, Indiana, Kentucky, Maine, Michigan, Minnesota, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Virginia, West Virginia, and Wisconsin
Let’s Explore Your Options
Whether you’re requesting a quick personal quote or a detailed commercial review, you’ll connect with a real person who listens, explains clearly, and follows through. Sharing your current policy summaries or insurance documents helps us provide faster, more accurate guidance tailored to your needs.
Phone: (740) 642-3333
Fax: (877) 747-9032
Text: (740) 688-3050