South Western Insurance Group Limited has been offering a specialized insurance package – one specifically designed to meet the protection needs of campground owners – for more than twenty years. And while this unique coverage product has yet to expand beyond the borders of Ontario, local campground owners can take advantage of such valuable offerings as:
- Cover for Buildings (Equipment & Contents)
- Floaters for Office Equipment, Boats & Motors, and Trailers (both non-owned and trailers held for sale)
- Broad Form Money & Securities
- All Risk Coverage, Extra Expense Cover, and Commercial General Liability insurance up to $5,000,000
According to property underwriter Amie Vandevenne, “Finding specialized coverages like these within the commercial insurance industry is not always so easy to do. Our Campgrounds product is definitely a specialty program.”
Vandevenne goes on to point out some of the program’s many highlights that make it so consistently attractive to the company’s broker channels. “We have the ability to work with a variety of campground operations, both large and small. Not only do we cover the full range of long-term lot leases, seasonal, and year-round campgrounds, we can insure such risks and properties as on-site cabin and trailer rentals, propane sales, stores, restaurants, and recreation halls.”
South Western Insurance Group Limited’s Campgrounds product, it should be noted, also covers extended liability exposures like:
- Playgrounds, Mini Golf Courses, and Basketball Courts,
- Swimming Areas, including both Beaches & Pools, and
- Boat Rentals, including Canoes, Kayaks, and Paddle Boats plus boats slips/docks
“While our policies for the types of coverages outlined here tend to be standard,” Vandevenne adds, “we can absolutely cater to the individual campground owner’s needs to a certain degree, whenever it becomes necessary to do so.” In fact, South Western Insurance Group Limited’s campground policies can be tailored to fit the needs of most, with additional coverages like peak season endorsement and business interruption insurance also available.
It is important for brokers to recognize, says Vandevenne, that because most Campgrounds risks are unprotected, premium rates inevitably reflect this. At the same time, however, there are very few markets to her knowledge that actually write this type of risk.
“Meeting the specific insurance needs of Ontario campground owners is not something every company can do. Especially since the markets tend to shy away from unprotected risks. At SWG, we are very pleased to be able to make such specialized coverage available for this class of business.”