Caravan Park Facilities Insurance

Cover for pools, playgrounds, shops, restaurants, bars, arcades and other on-park facilities.

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Protect your facilities, equipment, guests and income across the whole park.

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GET A FACILITIES QUOTE

We compare quotes from leading UK leisure & park insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

INSURANCE FOR PARK FACILITIES & GUEST AMENITIES

Why Caravan Park Facilities Insurance Matters

Facilities are often what make your park stand out – swimming pools, children’s play areas, shops, bars, restaurants, amusement arcades and entertainment spaces. They also carry some of the highest guest safety, liability and property damage exposures on site. A well-structured facilities insurance programme helps protect buildings, equipment, stock, income and your responsibility to guests, so you can focus on delivering a great on-park experience.

Core Covers for Caravan Park Facilities

Bringing together property, liability and business interruption cover for your on-park amenities and buildings.

  • Buildings Cover – for pools, leisure complexes, shops, restaurants, bars, arcades and other facility buildings.
  • Contents & Fixtures – for furniture, equipment, stock, gaming machines, refrigeration and bar/restaurant fittings.
  • Plant & Machinery – cover for pumps, filtration systems, heating plant and other critical equipment.
  • Fire, Storm & Flood Damage – including severe weather and fire in high-occupancy buildings (subject to terms).
  • Escape of Water – leaks from pool systems, pipework, toilets and kitchens causing damage to buildings and contents.
  • Theft & Malicious Damage – break-ins, vandalism and damage to park facilities and equipment.
  • Glass, Signage & Shopfronts – cover for windows, doors and branded signage in shops and bars.
  • Money Cover – for cash on premises and in transit (for shops, bars, restaurants and arcades), subject to limits.
  • Public Liability – cover if guests, visitors or contractors are injured or their property is damaged in or around your facilities.
  • Products Liability – for food, drink and other items sold from shops, kiosks, bars and restaurants.
  • Employers’ Liability – required cover for staff running your facilities (lifeguards, catering, retail, cleaners, etc.).
  • Business Interruption – loss of income if facilities are out of use following insured damage (e.g. pool closure after fire).
  • Seasonal Income Protection – cover designed to reflect peak-season trading and quiet winter periods.
  • Equipment Breakdown – protection for key plant such as pool pumps, boilers, refrigeration (where available).
  • Loss of Licence – optional cover for premises licence issues at bars or restaurants (subject to insurer appetite).
  • Legal Expenses – help with certain disputes, regulatory matters and employment issues (where included).

Cover varies by insurer and park. We’ll explain what is included and tailor limits to your facilities and income.

CALL TO DISCUSS YOUR FACILITIES
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Common Risks Around Caravan Park Facilities

Key exposures associated with pools, playgrounds, food & drink, shops and amusement spaces.

  • Slips, trips and falls on wet floors around swimming pools, showers and changing areas.
  • Injuries on playground equipment, climbing frames, slides and inflatables.
  • Food poisoning allegations or allergic reactions linked to on-park restaurants and takeaways.
  • Fire in kitchens, entertainment venues, amusement arcades or retail units.
  • Theft of stock, gaming machine cash and retail goods from shops or arcades.
  • Pool plant failure leading to pool closure, refunds and reputational damage.
  • Crowd management issues during evening entertainment, shows or events.
  • Guest property damage – for example, in restaurants, shops or changing areas.
  • Weather-related damage to outdoor play areas, terraces, beer gardens and external seating.
  • Electrical or mechanical failure in arcades, lighting, AV systems and refrigeration.
  • Staff injury while handling food, chemicals, stock or heavy equipment.
  • Local authority or regulatory enforcement following safety failings or incidents.
  • Inadequate housekeeping or cleaning routines increasing slip, hygiene or fire risk.
  • Failure to maintain records of inspections and checks (pools, play areas, fire safety).
  • Increased exposures during peak season, events and bad-weather days when facilities are busier.
  • Reputational impact after a major incident if not handled quickly and professionally.
TALK THROUGH YOUR FACILITY RISKS
SHARE YOUR CURRENT ARRANGEMENTS

Why Choose Insure24 for Caravan Park Facilities Insurance?

  • Caravan Park Focus – we work with parks of all sizes across the UK, not just generic leisure risks.
  • Facilities Experience – pools, play areas, arcades, bars and food & beverage outlets all understood and considered.
  • Whole-Park View – we can integrate facilities cover with wider caravan park and hire fleet insurance.
  • Access to Specialist Insurers – markets comfortable with leisure, hospitality and tourism exposure.
  • Guidance on Limits – help setting realistic building, contents and business interruption sums insured.
  • Tailored to Your Season – reflecting peak periods, shoulder seasons and winter closures.
  • Support with Risk Management – helping you present your safety measures to insurers.
  • Claims Support – assistance if you have incidents affecting facilities and guest safety.
  • Flexible Structures – options for single-site parks and multi-park groups.
  • Clear Language – we explain policy conditions around pools, play areas and food & drink.
  • Long-Term Relationships – renewals and reviews that reflect how your park evolves over time.
  • Single Point of Contact – one team handling facility cover, park cover and hire fleet cover where needed.
SPEAK TO A PARK INSURANCE SPECIALIST
REQUEST A FACILITIES REVIEW

How to Arrange Caravan Park Facilities Insurance

  • 1. Tell us about your park – location, size, and the facilities you operate.
  • 2. Provide details of key buildings – pool complex, clubhouse, arcades, shops, restaurants, bars.
  • 3. Share information on contents, machinery and equipment within those facilities.
  • 4. Outline your trading pattern – season dates, busy periods and typical income.
  • 5. Let us know about safety measures – pool supervision, play inspections, fire safety and training.
  • 6. We approach appropriate insurers and put together tailored options for you.
  • 7. We talk you through cover, limits and conditions so you can decide with confidence.
  • 8. Once agreed, we put cover in place and issue documents for your files and regulators.
CALL TO START YOUR QUOTE
SEND US YOUR FACILITY DETAILS

Who Is Caravan Park Facilities Insurance For?

Suitable for a wide range of holiday and caravan parks with on-site leisure, retail and hospitality facilities.

Parks with Swimming Pools & Wet Areas

  • Indoor or outdoor pools, splash zones and toddler pools.
  • Associated changing areas, showers and plant rooms.
  • Poolside bars, cafés or seating areas.
  • Parks where pool access is key to the guest offer.

Family-Oriented Parks with Play Areas

  • Outdoor playgrounds, climbing frames and swings.
  • Indoor soft play and activity centres.
  • Parks offering kids’ clubs and supervised activities.
  • Sites with multiple play areas across a large park.

Parks with Shops, Bars & Restaurants

  • On-park convenience stores and gift shops.
  • Clubhouses with bars, live entertainment and food service.
  • Takeaways and cafés serving park guests and visitors.
  • Parks where food & beverage is a significant income stream.

Parks with Amusement Arcades & Leisure Zones

  • Arcades with gaming and prize machines.
  • Entertainment venues, games rooms and bowling alleys.
  • Multi-use leisure complexes with several activity areas.
  • Parks positioning themselves as full holiday resorts.
CHECK IF THIS FITS YOUR PARK
DESCRIBE YOUR FACILITIES

Typical Cover Levels & Options for Facilities

Example structures – we’ll tailor sums insured and features to your park.

Essential Facilities Cover

Ideal for: smaller parks with a basic mix of facilities.

  • Buildings and contents cover for key facility buildings.
  • Standard perils – fire, storm, flood, escape of water and theft.
  • Core public and employers’ liability.
  • Basic business interruption for defined events.
  • Money cover up to agreed limits.

Enhanced Leisure & Hospitality Protection

Ideal for: busier parks with multiple facilities and strong on-park spend.

  • Higher building and contents sums insured across several facilities.
  • Higher liability limits for crowded or high-profile locations.
  • Broader business interruption protection for extended downtime.
  • Extensions for equipment breakdown and refrigerated stock (where available).
  • Options addressing licence risks for bars and late-night venues.

Comprehensive Resort & Multi-Park Package

Ideal for: larger holiday resorts and park groups.

  • Integrated cover for facilities, accommodation and park infrastructure.
  • Group-wide business interruption and income protection solutions.
  • Tailored risk management support and site surveys.
  • Options to coordinate cover across multiple locations.
  • Closer dialogue with underwriters around growth and investment plans.

Optional Extensions & Add-Ons

  • Higher public liability limits for pools, events and entertainment.
  • Increased stock and money limits in peak season.
  • Additional cover for outdoor structures, canopies and stages.
  • Cyber-style cover for POS systems and booking platforms (where available).
  • Fidelity and employee dishonesty cover (subject to insurer appetite).
  • Extended indemnity periods for complex rebuilds and refurbishments.
DISCUSS COVER LEVELS
REQUEST TAILORED OPTIONS

Health & Safety, Compliance & Facility Management

Strong risk management supports safer guests, fewer claims and better insurance outcomes.

  • Documented pool procedures – water testing, lifeguard cover, signage and emergency plans.
  • Regular inspection of play equipment and surfaces, with recorded actions.
  • Fire safety measures for kitchens, bars, arcades and entertainment venues.
  • Food hygiene systems and allergen labelling in catering outlets.
  • Routine checks on electrical installations and equipment.
  • Cleanliness and housekeeping standards, especially in busy wet or food areas.
  • Incident reporting and investigation, with lessons fed back into procedures.
  • Staff training for lifeguards, catering, bar, retail and arcade teams.
  • Compliance with local authority and licensing requirements.
  • Clear guest information – rules, opening times and safety guidance.
DISCUSS RISK MANAGEMENT & COVER
SHARE YOUR CURRENT ARRANGEMENTS
Quote icon

“Our pool, club and arcade are central to the park. Insure24 helped us make sure the buildings, equipment, staff and guests are all properly protected under one facilities package.”

Holiday Park Manager

UNIQUE INSURANCE
TAILORED FOR YOUR PARK FACILITIES & GUEST AMENITIES

PROTECT YOUR FACILITIES & INCOME

  • Repair or rebuild damaged leisure buildings, shops, bars and arcades.
  • Replace essential equipment and stock after insured incidents.
  • Help cover lost income when facilities have to close for repairs.
  • Respond to guest injury claims with strong liability protection.
  • Demonstrate to stakeholders that you are managing risk responsibly.
  • Give you confidence to continue investing in better on-park experiences.
CALL FOR A FACILITIES INSURANCE REVIEW
GET A FACILITIES QUOTE

FREQUENTLY ASKED QUESTIONS

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What is caravan park facilities insurance?

It’s insurance that focuses on the buildings, contents, equipment, income and liabilities associated with your on-park facilities – such as pools, play areas, shops, restaurants, bars and arcades. It sits alongside your main park and accommodation cover to protect the places where guests spend much of their time.

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Can facilities be covered under my main park policy?

Often, yes – many park insurance programmes include both accommodation and facilities. However, it’s still important to make sure the sums insured, business interruption cover and liability limits specifically reflect your facilities. We’ll review your current arrangements and advise whether a combined or more clearly structured approach is best.

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Does this cover guest injuries in pools and play areas?

Public liability typically covers injury to guests and visitors where the park is legally liable, including incidents in and around pools and play areas, subject to policy terms and conditions. Insurers expect robust safety procedures to be in place. We’ll explain how liability cover applies and what risk management measures underwriters will look for.

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Can I insure loss of income if my pool or club has to close?

Yes, business interruption cover can usually be arranged so that if a facility is closed due to insured damage (such as fire, storm, escape of water or equipment breakdown where insured), the policy can help cover lost income and ongoing costs during the closure period, up to agreed limits and time periods. We’ll help you estimate realistic figures for your park.

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What information do you need about our facilities to quote?

We’ll usually ask for a breakdown of facilities (pools, play areas, shops, bars, restaurants, arcades), building and contents values, income figures, opening periods, staff numbers, recent claims and information on your safety and maintenance procedures. Site plans and photos can also help for larger or more complex parks.

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Can you cover parks with older facilities or those needing refurbishment?

Many parks operate older buildings or are planning upgrades. As long as the facilities are safe and well-maintained, insurers will usually consider them, though terms may reflect age and condition. We’ll discuss your refurbishment plans and help present them positively to the market.

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Can you help parks with multiple sites and shared facilities?

Yes. We work with single-site parks and larger groups. If you have multiple parks, with shared branding and similar facilities, we can look at group solutions, common limits and consistent risk management across sites – while still reflecting the differences between locations where needed.

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What if we outsource some facilities to third-party operators?

Many parks lease or licence out shops, food outlets or leisure areas. We’ll explore how these arrangements are structured, what insurance the third parties carry, and where your responsibilities begin and end. It’s important to align contracts, indemnities and insurance to avoid gaps.

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Do you only work with large parks, or can smaller sites get facilities cover too?

We work with parks of all sizes – from small sites with a single playground and shop to larger resorts with full leisure complexes. The scale of the facilities and sums insured will change, but the same principles of protection and risk management apply.

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How do we make a claim on facilities insurance?

In the event of damage or an incident, keep people safe first and follow your emergency procedures. Then contact Insure24 as soon as possible. We’ll guide you on immediate steps, what evidence to gather (photos, reports, witness statements, maintenance records) and liaise with the insurer to help manage the claim from first notification to settlement.

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