Summer is in full swing, which means your campgrounds are likely to see a spike in visitors over the next few months. While camping is ideally a time to enjoy the great outdoors and people’s company, campgrounds must take a few extra precautions in terms of risk management and Michigan Campground Property Insurance needs. Flooding, drowning, slips and falls, fires, and more threaten campsites each year, so consider the following when preparing your site for summer.

Property risks.

According to Woodall’s Campground Management, “Obviously property is at risk from various things, weather, maybe improper wiring, vandalism, there’s any number of things that can damage your property. A physical inspection is very important. You’re there every day. An outside person coming in might identify things you’re overlooking,” said Tom Gerken, a Topsham, Maine-based agent of USI Insurance and an established campground-insurance veteran.

Evaluate the weather for potential storms and take the proper precautions as needed. Especially if your campground is located next to a raging river, you might want to consider sandbagging the area, placing proper signage, and warning your guests about the potential for danger.

Next, conduct proper inspections. There are bound to be swarms of people coming in, so plan ahead by inspecting restrooms, water supplies, fire pits, and more. If something is awry, repair it before guests come.

Employment issues.

Hiring and firing is a part of any business. While your employees might be seasonal, it’s critical to remember to implement proper employment practices. After all, you are liable for the way you conduct your business. Replacing an employee is never cost-effective, and facing a lawsuit over discrimination or improper practices will only cost your business and your reputation to suffer.

Third party liabilities.

“Unsafe acts and unsafe conditions” account for 90% of claims. Be mindful about what information you place on your website. Be sure not to defame or slander your competition, and refrain from putting other copyrighted material on your site without written permission. An online presence is all but required in today’s digital economy, so make sure you do it correctly to attract guests and ace out the competition.

About Thayer Innes and Freeman Bunting Insurance Agencies

At Thayer-Innes Insurance Agency and Freeman Bunting Insurance Agency, we pride ourselves on forming strong customer and community ties throughout Washtenaw County by serving as insurance consultants and advisors. We understand that this industry faces unique business risks, and we are here to provide the solutions to give you peace of mind. To learn more, contact us today at (734) 662-4567.

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