A campground owner in Tennessee contacted Stockton-Hill looking for a quote comparison. Like many owners, they were primarily focused on premium and assumed their existing policy already covered their operation.
Before preparing a proposal, Josh requested a copy of their declarations page and reviewed their current coverage. During that review, he discovered the campground was selling alcohol through its camp store but did not have liquor liability coverage in place.
The owner did not realize the exposure existed. Since they were selling packaged alcohol rather than serving drinks, they assumed their existing policy addressed the risk.
Josh explained how a single alcohol-related claim could create significant financial exposure for the campground. Had Stockton-Hill simply provided a quote without reviewing the current policy, the owner may never have discovered the missing coverage.
The review allowed the campground to address the issue before a claim occurred. That experience reflects Stockton-Hill's philosophy of reviewing coverage first and premium second.