Campground Insurance options?

[Chester Davis]

I’m on the board of a small camp in Crofton, NE (near Yankton SD) (~120 beds, 80k budget) and we have had insurance policy adjustments in policy and costs for last 4-5 yrs. Currently, the change is up $3500/yr and laying a 10k deductible on each building. Outrageous considering we can re-roof and reside cabins by contractor without hitting a 10k deductible. We currently are paying out 1k+/month for insurance. 

Two basic questions 

First,
I have been told by director that we have 3-4 insurance companies that will write a policy. I am thinking that perhaps we could insure building and operations separately and that might open some options in insurance providers. Any thoughts on this and suggestions on who to talk with?

Second, 
Maybe drop insurance from cabins and only insure the high value buildings and have an umbrella policy or something to cover general liabilities etc. 

I would really appreciate some input on creative ways to trim budget on insurance.