Commercial campgrounds are licensed businesses that specialize in offering campsites professionally, and camping is the primary business taking place on that land.
Having proper insurance in place from Hipcamp or an external insurance policy that covers camping activities is required to be a Host on Hipcamp.
Hosts of commercial campgrounds are required to have their own insurance policy and are not eligible for coverage under the Hipcamp Insurance Policy.
If you are the Host of a commercial campground, it is up to you to read your policy carefully and be aware of what it does and does not cover. You will need to ensure that your campers conduct themselves in a way that isn't violating any terms or exclusions of your insurance policy.