Business liability
Pays for accidents caused by trees, paths, playground and bathing lake, and includes environmental damage from waste water and tanks if agreed.
Insurance broker / Business types / Hospitality
Insurance for campsites, motorhome pitches and holiday parks in Germany
A campsite is a small village with roads, a power grid, a toilet block, a playground, often a bathing lake and a kiosk. You are responsible for keeping all of it safe, and in a storm your trees fall on your guests' caravans. Add rental accommodation, boat hire and waste water systems. This page shows what to insure and what it costs.
The question almost everyone asks first
Who pays if a tree falls on a caravan in a storm?
That depends on whether you met your duty to inspect your trees. With a healthy tree and an exceptional storm, the guest's own comprehensive motor or contents insurance pays. If you should have spotted the damage to the tree, you are liable, and your public liability pays. Documented tree inspections are therefore your best protection, because in a dispute they prove you took care.
What goes wrong in this trade
- 01
Trees and storms
Shade is a selling point, but in a storm branches become a danger to caravans, tents and people.
- 02
Bathing lake and jetty
Where people swim, accidents happen. If signs, a lifebuoy or supervision are missing, the question of liability arises.
- 03
Power at the pitch
Hook up points, cable reels and wet ground: faulty connections can destroy guests' appliances or injure people.
- 04
Waste water and oil tank
Sanitary facilities, soakaways and heating oil tanks can pollute soil and water, and that gets expensive.
- 05
Rental accommodation
Mobile homes, camping barrels, tiny houses and rental caravans catch fire, get damaged or suffer water damage.
- 06
Flooding
Many sites lie by rivers and lakes. A flood hits the toilet block, reception and guests at the same time.
Compared with other trades, 1 low to 5 high.
The insurance you need
Essential
Commercial buildings
Replaces toilet blocks, reception, restaurant and your own rental units after fire, storm, hail and burst pipes.
Strongly advised
Business contents
Replaces furnishings, kiosk, workshop and site equipment after fire, burglary and storm.
Natural hazard cover
Covers floods and torrential rain, often the largest possible property loss for sites by the water.
Business interruption
Pays fixed costs and lost profit if the site stays closed during the season after a storm or flood.
Depends on the business
Machinery breakdown
Covers the sewage plant, pumps and site vehicles against sudden breakdown.
Cyber insurance
If the booking system and barrier fail or guest data is stolen.
What it costs: example prices
Campsites are usually rated on annual turnover, with a minimum premium. A bathing lake, boat hire, restaurant or many rental units cost more, and buildings are insured separately.
| Insurance | Example | Typical range |
|---|---|---|
| Business liability | Small site up to €125,000 turnover, €5 million cover, environmental damage included | about €180 to €400 a year |
| Business liability | Site with bathing lake, hire and restaurant, €6 to €10 million cover | about €600 to €2,000 a year |
| Commercial buildings | Toilet block and reception with a rebuild value of around €500,000 | about €700 to €1,600 a year |
| Business contents | Furnishings, kiosk and site equipment worth €80,000 | about €250 to €600 a year |
| Natural hazard cover | Add on for building and contents, location outside a flood zone | about €150 to €500 a year on top |
For comparison: Basic cover of public liability and contents insurance costs about as much a year as 25 nights for a motorhome with two people.
Guide prices as of September 2026, based on published tariffs for site operators and on our own quoting practice. Minimum premiums are about €180 to €300 before tax depending on the provider; by rivers, natural hazard cover can cost considerably more. We obtain the exact quote for you.
Sources of the price examples
Our suggestions: three packages
01
Motorhome site
For: motorhome pitches with fresh water and waste disposal, no buildings
- Business liability
- Business contents
Together about €400 to €900 a year
Request this package02
Campsite
For: site with toilet block, reception and playground
- Business liability
- Commercial buildings
- Business contents
- Business interruption
Together about €1,800 to €4,000 a year
Request this package03
All round
For: holiday park with bathing lake, rental units, restaurant and hire
- Business liability
- Commercial buildings
- Business contents
- Business interruption
- Natural hazard cover
- Machinery breakdown
- Cyber insurance
Together about €4,500 to €12,000 a year
Request this packageThe worst day on the campsite
Six claims of the kind campsites really see, all on a single day in high summer. Click through the day and see who pays.
Damage so far€142,500
-
The sewage plant pump has failed and the toilet block has to be closed.
-
A child traps a hand in a damaged climbing frame on the playground.
-
A faulty hook up point knocks out the fridge and electrics of a motorhome.
-
Thunderstorm: a rotten branch falls on a caravan. The tree had already been flagged at the last inspection.
-
The storm tears the roof off the toilet block, and rain pours into the showers and the plant room.
-
Torrential rain: the river bursts its banks, and the lower part of the site and the kiosk are under water.
Which package would you have had?
Illustrative amounts before any excess. Whether and how much is paid depends on the policy terms.
Practical tips from your broker
- Have bathing lake, jetties, boat hire, bicycle hire and entertainment written into public liability expressly.
- Include environmental damage from waste water systems, soakaways and heating oil tanks.
- Inspect trees at least twice a year and record it with dates and photos: that decides liability cases.
- Check whether damage to pitches and mobile homes that you lease yourself is covered.
- Base business interruption on the season: a loss in June costs you a year, one in November hardly anything.
- Ask about group liability cover for seasonal campers, so your long stay tenants have suitable cover too.
Why NAMMERT for your business
We know life by the water
As a broker we compare several insurers. Where bathing lakes, jetties and boat hire are part of the business, we know the risks from our own line of work.
We settle claims ourselves
In boat insurance we settle claims ourselves, including after storms and floods. That helps when, after a storm, it has to be decided who pays for the branch.
Site, buildings and family in one place
Liability, buildings, vehicles and your own cover are handled by one contact.
Family business since 1989
Advice is free, as the insurer pays our commission. Many campsites are family businesses, and so are we.
Questions and answers
Frequently asked
What insurance does a campsite in Germany need?
Public liability including environmental damage, buildings insurance for toilet block and reception, and contents insurance. By the water add natural hazard cover, and business interruption cover for the season.
How much does public liability cost for a campsite?
Small sites usually pay a minimum premium of about €180 to €300 a year. With a bathing lake, restaurant and hire it is usually €600 to €2,000.
Am I liable for accidents at the bathing lake?
You have a duty to keep it safe: signs, rescue equipment, secure jetties. If you neglect it, you are liable, so the bathing lake has to be in your public liability policy.
Are seasonal campers' caravans insured through me?
No, the owners insure their caravans themselves. You are liable only if you caused the damage, for instance through a tree that was not inspected.
Do I need insurance for an unstaffed motorhome site?
Yes, public liability, because you are liable for hook up points, the disposal station and the access road. For pure motorhome pitches it is usually cheap.
Are my seasonal staff insured?
At work through the BGN, the statutory accident insurer for food and hospitality, including seasonal workers and mini jobbers.
NAMMERT insurance broker
Request quotes for Campsite
The recommended covers are already ticked. Change what does not fit; we obtain quotes and come back with a comparison. You can write in English.
Thank you, we have your request.
We will be in touch within one working day. If it is urgent: +49 3375 29 12 77.
Related trades
Will my private liability policy pay if a holiday guest is injured?
Can I insure my hire boats on an ordinary boat policy?
Does the disclaimer on the entry ticket protect me?
Official classification
This page covers the following classes of the German WZ 2025 (identical to NACE at four digits):
- 55.30 Campingplätze
Source: Federal Statistical Office of Germany (Destatis), WZ 2025. All business types
Boat or yacht? Here we are not the broker but the underwriting agency, with our own policies and our own claims handling.
Boat insuranceNAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker. Statutory disclosure (German) · Updated