Campgrounds--Other Than Not-For-Profit

What Does GL Code 10331 Cover?

ISO GL class code 10331 specifically covers commercial campgrounds that operate on a for-profit basis, excluding those designated as not-for-profit. This classification applies to establishments providing temporary lodging sites for tents, recreational vehicles (RVs), and cabins, encompassing associated amenities and recreational activities. It categorizes operations involving guest registration, site maintenance, utility provision, and potential recreational offerings like swimming, hiking, or fishing.

Who Uses This Class Code?

This code is applicable to a variety of commercial camping operations, including privately owned RV parks and resorts that offer full hookups and amenities. It also covers tent campgrounds that provide designated sites for traditional camping, as well as glamping sites offering more luxurious outdoor lodging experiences. Businesses operating primitive campsites, wilderness camps, or even specialized equestrian campgrounds would fall under this classification.

Common GL Claims for This Class

Common GL claims for campgrounds include slip-and-fall incidents on uneven terrain, wet surfaces, or poorly lit pathways, especially around shared facilities like restrooms or clubhouses. Other frequent claims involve injuries sustained during recreational activities, such as playground accidents or incidents related to swimming and water sports.

Coverage Tips for Code 10331

• Ensure adequate coverage for recreational activities: Many campgrounds offer amenities like swimming pools, playgrounds, hiking trails, or water sports. Verify your policy explicitly covers these activities and any associated risks, including potential waivers for participants.
• Understand \
• exclusions: General Liability policies often exclude damage to property in your care, custody, or control. This is crucial for RV parks where guest vehicles are on your premises; consider a separate garagekeepers or property of others coverage if this is a significant exposure.
• Implement robust guest waiver and signage policies: For high-risk activities, utilize clearly worded liability waivers and ensure prominent signage warns guests of potential hazards, especially concerning wildlife, natural terrain, or water bodies, which can be critical in Florida\'s diverse ecosystems.
• Verify subcontractor insurance for services like landscaping or maintenance: If you use external contractors for services such as groundskeeping, pool maintenance, or facility repairs, ensure they carry their own General Liability insurance and name your campground as an additional insured to prevent coverage gaps.