In any case of emergency where life is in danger or at risk, immediately call 911. If your community does not support 911, call your local police or fire department.
Emergency After Hours
Following a loss
Following any loss, you’ll need to contact us as soon as practical so we begin with getting your affairs back in order. Make sure you have the following information available to facilitate the reporting and claims process:
Contact information (telephone/email)
Address where you can be reached
Survey for damage and safety hazards such as live wires and gas leaks. If any of these hazards are found, keep away and contact an appropriate professional immediately. Take steps to mitigate further damage by covering broken windows and torn roof coverings, separating damaged from undamaged business personal property and preventing mold by drying and dehumidifying damp/wet areas. Whenever possible, retain damaged items for an adjuster’s inspection and evaluation. Take photographs of any damaged business personal property prior to removal. Make a list of damaged items and include their age and current value. If possible, have receipts for these items available for the adjuster.
Tips for reducing risk & claims
Lessen the potential for losses and interruption of your business by implementing some simple risk management checks. Reducing losses can help to keep your insurance costs from rising while keeping your property safe. Here are a few tips to help reduce your chance of risk.
To protect yourself against claims arising from your patrons who own trailers:
Implement a mandatory trailer insurance policy for your customers. Ask your permanent trailer owners for proof of liability insurance for their units.
To prevent loss to your property:
Regularly remove snow accumulation on roofs of buildings to alleviate the chance of collapse and water damage. Consistent maintenance of roofs, decks and plumbing can eliminate many types of losses. Remove keys to machinery and unlicensed vehicles from the vehicle when not in use and keep in a safe place.
To prevent liability hazards on your premises:
Ensure all roadways, walkways & grounds are free of potholes, ruts, deep impressions, debris and erosion
Provide good lighting along walkways and around buildings
Have all access ramps to buildings covered with a non slip surface
Complete weekly maintenance checks on the decks on cottages and rental trailers, railings, stairways, ramps, docks, picnic tables, playground equipment and recreation areas. Keep a record of the checks done
All pets on premises must be on a leash at all times
Post signs warning of dangers for playgrounds, swimming areas and recreational areas. Examples of signs that can be posted are: “Playground equipment is for children only”; “No Adults Allowed on Equipment”; “No Diving”; “Use at your own risk”, etc.,
95% of customers continue to renew with us year after year
And … many of them have been with us since we started insuring campgrounds and trailers 40-years ago.
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