Caravan Park Insurance

Premiums vary based on park size, location, facilities, and claims history. A small touring site might pay £2,000-£5,000 annually, while large holiday parks with extensive facilities could pay £10,000-£25,000 or more. We'll provide accurate quotes based on your specific circumstances.

Owned static caravans should be included in your caravan park policy. However, caravans owned by guests typically require their own static caravan insurance. We can advise on the distinction and ensure proper coverage.

Yes, seasonal parks can often benefit from reduced premiums during closed periods, though basic property protection continues year-round. We'll structure your policy to match your operating calendar and provide appropriate coverage levels.

Swimming pools require specific liability coverage due to drowning risks. This includes proper safety equipment, supervision requirements, and emergency response procedures. We ensure adequate coverage limits for pool-related claims.

Business interruption covers lost rental income when your park can't operate due to insured damage. This includes compensation for cancelled bookings, ongoing expenses, and costs to relocate guests to alternative accommodation.

Yes, playground equipment, sports facilities, and recreational areas are covered for both property damage and liability claims. Regular safety inspections and maintenance records help reduce premiums and ensure coverage validity.

Your policy covers accidental damage by guests to park property. Intentional damage may be excluded, but you can pursue recovery through guest deposits or separate legal action. We'll advise on appropriate excess levels to balance cost and coverage.

Absolutely. Caravan parks handle guest personal data and payment information through booking systems. Cyber insurance protects against data breaches, system failures, and regulatory fines under GDPR requirements.

Business interruption can include utility failure extensions covering loss of electricity, gas, water, or telecommunications. This protects against income loss when essential services fail, even if your property isn't directly damaged.

Product liability coverage protects against food poisoning claims from any food sold on-site. This includes shop items, cafe meals, and takeaway services. Proper food safety procedures help reduce risks and premiums.

Touring pitches have different risk profiles, mainly around utility connections and pitch surface damage. Coverage includes liability for touring caravan accidents on-site and damage to pitch facilities like electric hook-ups.

Storm damage is typically covered as standard, including wind, rain, and flood damage to buildings and static caravans. Gradual deterioration and lack of maintenance are excluded, so regular upkeep is essential.

If you host entertainment events, additional public liability coverage may be needed. This covers performer liability, crowd control issues, and event-specific risks. We'll assess your entertainment program and recommend appropriate coverage.

Maintenance vehicles used on-site may be covered under your park policy, but vehicles used on public roads need separate commercial vehicle insurance. We'll clarify which vehicles need additional coverage.

Fire can spread quickly between caravans, so proper spacing, fire breaks, and emergency access are crucial. Your policy covers fire damage, but compliance with fire safety regulations is essential for coverage validity.

Policy amendments are needed when adding facilities or expanding capacity. We'll help you update coverage limits and assess any new risks. It's important to notify insurers before making changes to ensure continuous protection.

Many insurers offer premium discounts for parks with safety certifications, quality awards, or excellent inspection records. We'll help you identify opportunities to reduce costs through improved safety standards.

Claims history impacts renewal pricing, but insurers understand that some claims are unavoidable in the hospitality sector. We work with insurers who take a balanced view of claims and focus on overall risk management.

We'll need details about your park size, facilities, guest capacity, safety measures, claims history, and financial information. Site plans, safety certificates, and license documentation help provide accurate quotes.

Legal expenses insurance can cover defense costs if your site license is challenged. However, loss of income due to license revocation may have limited coverage, so maintaining compliance is crucial.

Once your application is accepted and premium paid, coverage can typically start immediately or from your preferred date. We understand the importance of continuous protection for operating caravan parks.

Terrorism insurance is available as an extension, particularly important for larger parks or those in higher-risk areas. Malicious damage by third parties is typically covered, but guest-related damage may have different terms.

Yes, our specialists offer ongoing risk management support, helping you identify potential hazards, improve safety procedures, and reduce insurance costs through better risk control measures.

Report claims immediately via our 24/7 claims line. We'll guide you through the process, arrange emergency repairs if needed, and work with loss adjusters to ensure fair and prompt settlement.

Yes, most policies can be paid monthly through direct debit arrangements, though annual payment often attracts discounts. We'll explain all payment options and help you choose the most suitable arrangement.

We specialize in commercial insurance with deep understanding of the leisure and hospitality sectors. Our team provides personalized service, competitive rates, and ongoing support throughout your policy term.

Insurance costs typically range from £50-£200 per pitch annually, depending on facilities and location. Static caravan sites generally cost more per pitch than basic touring sites due to higher property values and extended liability exposure.

New caravan parks need public liability (minimum £2-6 million), employers liability, property insurance, and business interruption cover. You'll also need these policies in place before obtaining your site license from the local authority.

Holiday parks with additional facilities like entertainment venues, restaurants, or adventure activities need enhanced coverage. This includes increased public liability limits, product liability for food service, and specialized coverage for recreational activities.

Flood coverage depends on your location's flood risk rating. High-risk areas may have flood exclusions or require separate flood insurance. We'll assess your site's Environment Agency flood risk and recommend appropriate coverage options.

Legal expenses insurance covers defense costs if your license is challenged, but loss of income due to license revocation has limited coverage. Maintaining compliance with all regulations is essential for continuous operation and insurance validity.

Yes, cyber insurance is increasingly important for caravan parks offering Wi-Fi, online bookings, or digital payment systems. This covers data breaches, system failures, and GDPR compliance issues that could result in significant fines.

Caravan parks typically have higher property values due to static units and permanent facilities, requiring higher coverage limits. Campsites with tents only have lower property risks but similar liability exposures for guest safety.

Commercial property insurance covers buildings and contents, while product liability protects against claims from items sold. Money insurance covers cash handling, and business interruption compensates for lost shop income during closures.

Regular entertainment may be covered under standard public liability, but special events, live music, or large gatherings often need additional coverage. Event-specific insurance may be required for festivals or major celebrations.

Touring sites need public liability, property insurance for facilities, and coverage for utility connections. While property values are typically lower than static sites, liability risks remain high due to guest activities and vehicle movements.

Swimming pools require specific public liability coverage with higher limits due to drowning risks. This includes proper safety equipment, lifeguard requirements, and emergency response procedures. Pool maintenance and water quality issues are also covered.

Public liability insurance covers playground accidents, while property insurance protects the equipment itself. Regular safety inspections and compliance with playground safety standards are essential for coverage validity and premium reductions.

Yes, designated dog areas increase liability risks for dog bites, fights, and slip hazards from waste. Public liability coverage includes pet-related incidents, but proper signage, waste facilities, and area maintenance help reduce risks.

Property insurance covers laundry equipment, while public liability protects against customer injuries from hot water or equipment malfunctions. Business interruption can cover lost laundry income during equipment breakdowns.

Most caravan parks need £2-6 million public liability coverage, depending on size and facilities. Larger parks with swimming pools, entertainment venues, or high guest capacity may require £10 million or more coverage.

Property insurance covers damage to roads and car parks from weather or accidents. Public liability protects against guest injuries from potholes or poor surfaces. Regular maintenance helps prevent claims and reduces insurance costs.

Glamping pods are treated similarly to static caravans but may need higher coverage due to increased property values and luxury fittings. Fire safety and security measures are particularly important for wooden pod structures.

Fishing facilities require enhanced public liability coverage for drowning risks, plus environmental liability for fish kills or water pollution. Proper safety barriers, warning signs, and water quality monitoring help reduce premiums.

Seasonal parks often pay reduced premiums during closed periods, though property protection continues year-round. However, seasonal closure can increase security risks, potentially requiring enhanced theft and vandalism coverage.

Staff accommodation requires separate residential property insurance or inclusion in your commercial policy. Employers liability covers work-related injuries, while property insurance protects staff quarters and contents.

EV charging stations need property insurance for equipment damage and public liability for electrical incidents. Cyber insurance may also be needed if charging points connect to online payment or booking systems.

Property insurance covers waste facilities and equipment, while environmental liability protects against pollution from waste handling. Proper waste management procedures help prevent environmental claims and reduce premiums.

Gas-related incidents are covered under property and liability policies, but regular safety inspections and compliance with Gas Safety Regulations are essential. Poor maintenance or non-compliance can void coverage.

Adventure activities like zip lines, climbing walls, or water sports need specialized liability coverage with higher limits. Activity-specific risk assessments and safety procedures are required for coverage validity.

Wedding and event hosting typically requires enhanced public liability coverage and may need separate event insurance. Alcohol liability, marquee coverage, and increased guest capacity all affect insurance requirements.