The story
Richard "Dick" Hartford founded Evergreen USA because it was nearly impossible for campgrounds, RV parks and resorts to find insurance, in the aftermath of the insurance crisis of 1985. The unavailability of insurance coupled with the high cost of premiums charged by the companies caused serious financial problems for the camping industry.
In 1989 Evergreen was chartered in Arizona but in 1995 redomesticated to Vermont.
In 1989, with investments from 100 privately owned campgrounds and RV parks, Evergreen USA was formed to guarantee insurance would be available to campground and RV park owners regardless of market conditions. Licensed by the State of Vermont, Evergreen USA is able to provide insurance coverage to campgrounds and RV parks nationwide under the Federal Risk Retention Act.
“By showing the insurance world that campgrounds could be a good risk, (Evergreen USA) face(d) stiff competition from extremely large companies with the resources to beat (their) rates and provide incentives (they couldn't) always match,” said Lucas Hartford, Evergreen USA president. As a result, the Evergreen USA board of directors voted to strike a deal with Leavitt Recreation and Hospitality Insurance to provide renewal options to replace the Evergreen USA coverage when it expires, Evergreen said in its written announcement. Three account executives who previously worked at Evergreen USA have joined Leavitt Rec. Evergreen USA competed for years with Leavitt Rec."
Evergreen founder Dick Hartford died last year (2018).
From Wikipedia’s article on Evergreen USA RRG, shared under CC BY-SA 4.0.4