Caravan Park Public Liability Insurance

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Specialist Caravan Park Public Liability Insurance for holiday parks, lodge parks and mixed-use caravan sites – protect your park against injury and property damage claims from guests, visitors and third parties.

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We compare quotes from leading insurers

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

CARAVAN PARK PUBLIC LIABILITY INSURANCE THAT LETS YOU RELAX

Specialist public liability cover for caravan & holiday parks

From slips on wet steps to injuries in play areas, Caravan Park Public Liability Insurance helps protect your business if someone claims that your negligence has caused them injury or property damage.

What Our Caravan Park Public Liability Insurance Can Cover

Public liability is at the heart of protecting your park’s balance sheet from injury and damage claims. We’ll help build a programme that reflects your facilities, guest profile and activities.

  • Injury to guests, visitors or members of the public on the park.
  • Damage to third-party property – such as vehicles or personal items.
  • Accidents in toilet/shower blocks, launderettes and reception areas.
  • Incidents in play areas, games rooms and leisure facilities.
  • Trips over raised edges, potholes or uneven surfaces.
  • Incidents involving falling branches, signage, fences or structures.
  • Legal defence costs if a claim is made against the park.
  • Compensation payments where the park is found legally liable.
  • Cover for liability arising from organised events on the park.
  • Liability related to food and drink served on site (where insured).
  • Public liability for visitors attending open days or viewings.
  • Optional extensions aligned to your specific risk profile.
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Common Liability Risks for Caravan & Holiday Parks

  • Slips on wet floors in toilet/shower blocks and pool areas.
  • Trips over hoses, cables, kerbs or uneven paths.
  • Injuries in children’s play areas or on play equipment.
  • Accidents involving poorly lit steps or walkways.
  • Injuries from falling objects, such as loose signage or branches.
  • Burns or injuries associated with BBQs or fire pits in communal areas.
  • Food poisoning allegations from on-site cafés or shops.
  • Damage to guests’ vehicles caused by park infrastructure.
  • Injuries involving contractors or visitors during maintenance works.
  • Incidents linked to organised activities or small events on site.
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Why Caravan Park Owners Choose Insure24 for Public Liability

  • Experience with holiday parks, lodge parks and mixed-use caravan parks.
  • Access to insurers who understand park-specific liability risks.
  • Tailored Caravan Park Public Liability Insurance limits and wording.
  • Help aligning liability cover with your contracts and T&Cs.
  • Clear, practical explanations of what is and is not covered.
  • Competitive premiums by comparing a panel of specialist insurers.
  • Guidance on risk management to reduce the likelihood of claims.
  • Dedicated claims support when incidents and allegations arise.
  • Ability to integrate public liability with your wider park insurance.
  • UK-based advisers focused on commercial park and leisure risks.
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How to Arrange Caravan Park Public Liability Insurance

  • 1. Contact our team – by phone or via our online form.
  • 2. Explain how your park operates – residents, holiday guests, day visitors.
  • 3. Share your existing insurance schedule and claims history.
  • 4. Tell us about your facilities, play areas and any higher-risk features.
  • 5. We approach insurers experienced in caravan park liability risks.
  • 6. We present clear comparisons of limits, excesses and premiums.
  • 7. You choose Caravan Park Public Liability Insurance limits that suit your risk appetite.
  • 8. We arrange cover, issue documentation and support you going forward.
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Caravan Park Public Liability Insurance for Different Park Types

We arrange Caravan Park Public Liability Insurance for a wide range of park owners and operators.

Holiday Caravan & Lodge Parks

  • Holiday parks with static caravans, lodges and park-owned units.
  • Parks with entertainment complexes, bars and restaurants.
  • Complex movement of guests, vehicles and service providers.
  • Public liability limits tailored to higher guest numbers and activities.
  • Integration with property, business interruption and other covers.

Touring, Camping & Mixed Use Parks

  • Parks combining static caravans with touring, camping or glamping.
  • Shared facilities used by residents, holidaymakers and day visitors.
  • Liability exposures across play areas, access roads and communal spaces.
  • Caravan Park Public Liability Insurance aligned to mixed site layouts.
  • Suitable for parks adapting or expanding their offering over time.

Residential & Park Home Sites (with Public Areas)

  • Parks providing long-term or permanent occupation.
  • Shared roads, paths and communal facilities used daily.
  • Liability exposures from visitors, tradespeople and delivery drivers.
  • Cover aligned to park home and residential site regulations.
  • Options to integrate with property owners’ liability where relevant.

Multi-Site & Group Park Operators

  • Operators running several caravan, lodge or mixed use parks.
  • Group public liability limits across multiple locations.
  • Aligned renewal dates and unified programme design.
  • Scope for higher aggregate limits and bespoke conditions.
  • Support for consistent risk management across the group.
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The Real Cost of Liability Incidents to Caravan Parks

Liability claims can be expensive and time-consuming. Caravan Park Public Liability Insurance helps protect your finances and reputation when things go wrong.

Direct Financial Costs

  • Compensation settlements where you are found legally liable.
  • Legal defence costs, even if you successfully defend the claim.
  • Expenses relating to investigation and expert reports.
  • Possible repairs required as part of settling a claim.
  • Excess payments on your Caravan Park Public Liability Insurance.

Indirect & Hidden Costs

  • Management time dealing with claimants, solicitors and insurers.
  • Potential impact on staff morale following serious incidents.
  • Negative reviews or social media coverage.
  • The need to change procedures and invest in improvements.
  • Long-term impact on your brand and booking levels.

Protecting Your Park When Claims Happen

With appropriate Caravan Park Public Liability Insurance, you have financial backing for legal costs and compensation, allowing you to focus on managing the incident, supporting guests and protecting your reputation.

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Assess Your Caravan Park Liability Risk

Understanding your liability exposures helps ensure Caravan Park Public Liability Insurance is set at the right level and properly structured.

Park & Facility Factors

  • Size and layout of the park, including gradients and surfaces.
  • Number and type of facilities – blocks, play areas, pools, bars.
  • Lighting levels on paths, steps and car parks.
  • Tree management and condition of structures and signage.
  • Segregation of vehicles and pedestrians where possible.

Operational & Safety Management

  • Cleaning, inspection and maintenance schedules for shared areas.
  • Documented checks of play equipment and high-risk features.
  • Staff training in health and safety and incident response.
  • Clear guest information on site rules and safety expectations.
  • Previous liability claims and lessons learned.
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How Public Liability Insurance Has Helped Caravan Parks

Case Study: Slip in a Shower Block

Situation: A guest slipped on a wet floor in a shower block and fractured a wrist.

Impact: A claim was made against the park alleging inadequate cleaning and warning signs.

Resolution: Caravan Park Public Liability Insurance covered legal defence and compensation, subject to policy terms, and the park enhanced cleaning logs and signage.

Case Study: Child Injury in Play Area

Situation: A child fell from a piece of play equipment and suffered an arm injury.

Impact: Parents alleged poor maintenance and inadequate supervision.

Resolution: Public liability cover responded to legal costs and settlement, while the park updated its inspection regime and recorded checks more formally.

Case Study: Damage to Third-Party Vehicle

Situation: A rotten tree on the park’s land fell onto a guest’s car during high winds.

Impact: The guest sought compensation for repair costs.

Resolution: Caravan Park Public Liability Insurance helped settle the claim and supported a wider tree survey programme on the park.

Case Study: Trip on Poorly Lit Steps

Situation: An older guest tripped on steps near a facility block at night.

Impact: Allegations that lighting and handrails were inadequate.

Resolution: Public liability cover supported legal defence and contributed to settlement, while the park improved lighting and added additional handrails.

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Risk Management Best Practices for Caravan Park Liability

Good risk management can reduce the likelihood of accidents and support more favourable Caravan Park Public Liability Insurance terms.

Physical & Site Controls

  • Maintain paths, steps and surfaces to minimise trip hazards.
  • Provide adequate lighting around high-traffic areas and facilities.
  • Inspect and maintain play equipment in line with guidance.
  • Manage trees, fences and signage to prevent falling objects.
  • Ensure handrails and non-slip surfaces in key locations.

Procedures, Training & Records

  • Implement regular cleaning and inspection routines with records.
  • Train staff to recognise and report hazards promptly.
  • Record all accidents and near-misses to spot patterns.
  • Provide clear safety information to guests on arrival.
  • Review Caravan Park Public Liability Insurance after major changes or incidents.
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Caravan Park Public Liability Insurance Coverage Options

Different parks need different limits and structures for public liability – we’ll help you choose a level that fits your circumstances and contracts.

Standard Public Liability Limits

Ideal for: Smaller parks with moderate guest numbers.

  • Common limit options (for example £2m or £5m, subject to insurer).
  • Cover for injury and property damage claims.
  • Suitable for many independent holiday and caravan parks.
  • Can be integrated with property and business interruption cover.

Higher Limit & Extended Liability Programmes

Ideal for: Larger parks, group operators or parks with higher-risk features.

  • Higher public liability limits (for example £10m or more, where available).
  • Extended cover options to meet contractual requirements.
  • Integration with employers’ and products liability.
  • Flexibility to reflect complex facilities and activities.

Multi-Site & Group Public Liability

Ideal for: Operators of several parks under one ownership.

  • Group public liability limits across multiple parks.
  • Aligned renewal dates and centralised administration.
  • Options for aggregate limits and bespoke terms.
  • Consistent cover and wordings across your portfolio.

Optional Add-Ons & Related Covers

  • Employers’ liability for staff and seasonal workers.
  • Products liability for food, drink and goods supplied on site.
  • Legal expenses insurance for certain disputes.
  • Management liability for directors and officers (where applicable).
  • Other extensions tailored to your park’s risk profile.
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We had a serious slip claim in one of our shower blocks. Insure24 guided us through the process and our Caravan Park Public Liability Insurance responded exactly as expected.

Caroline M., Holiday Park Owner

UNIQUE INSURANCE
TAILORED FOR YOUR CARAVAN PARK 

PROTECT YOUR PARK FROM LIABILITY CLAIMS

  • The financial impact of guest or visitor injury claims.
  • Legal defence costs when allegations are made against your park.
  • Compensation payments if you are found legally liable.
  • The long-term health of your park’s reputation and finances.
  • Peace of mind for you, your team and your guests.
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Compliance & Legal Duties for Caravan Park Owners

Caravan Park Public Liability Insurance supports – but does not replace – your legal obligations as a park operator.

  • Occupiers’ liability duties to take reasonable care for visitors’ safety.
  • Health and safety regulations covering workplaces and public areas.
  • Requirements around risk assessments and control measures.
  • Obligations relating to play equipment, pools and higher-risk features.
  • Record-keeping responsibilities for inspections and accidents.
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FREQUENTLY ASKED QUESTIONS

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What is Caravan Park Public Liability Insurance?

Caravan Park Public Liability Insurance is cover that protects your park if a guest, visitor or member of the public claims they have suffered injury or property damage due to your negligence. It typically includes legal defence costs and compensation, subject to policy terms and limits.

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Do all caravan parks need public liability insurance?

While not usually a legal requirement in itself, Caravan Park Public Liability Insurance is strongly recommended for any park that allows members of the public onto the site. Many contracts, associations and suppliers will expect you to hold it at specified limits.

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What limit of public liability cover does my caravan park need?

The right limit depends on factors such as park size, guest numbers, facilities and contractual requirements. Common limits might be £2m, £5m or £10m, subject to insurer availability. We’ll discuss your risk profile and advise on appropriate options.

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Does Caravan Park Public Liability Insurance cover staff injuries?

No. Staff and employee injuries are usually covered under Employers’ Liability Insurance, which is a separate (often legally required) cover. Public liability generally relates to non-employees such as guests and visitors. We can arrange both covers as part of a single park programme.

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Does public liability insurance cover damage to my own property?

Public liability is designed to cover injury or damage suffered by third parties. Damage to your own buildings, caravans and infrastructure is usually covered under your property or material damage section, not public liability. We’ll explain how your overall park programme fits together.

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Are organised events on my park covered by public liability?

Many policies will include typical park-organised events, but some activities may be excluded or require notification. We’ll ask about events you run and check that your Caravan Park Public Liability Insurance is suitable, highlighting any restrictions or additional requirements.

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Does Caravan Park Public Liability Insurance cover food poisoning claims?

Claims alleging illness from food or drink supplied by your park are often dealt with under products liability, which is usually arranged alongside public liability. We’ll make sure your cover is structured correctly for any cafés, bars or shops you operate on site.

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How are public liability claims against caravan parks settled?

When a claim is made, your insurer will investigate the circumstances, consider whether the park has been negligent and, if appropriate, negotiate settlement. Your Caravan Park Public Liability Insurance covers legal defence and compensation within the policy terms and limits.

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What information do you need to quote for Caravan Park Public Liability Insurance?

We’ll typically ask for details of your park layout, facilities, annual guest numbers, turnover, claims history, health and safety procedures and current liability limits. This helps us present an accurate picture of your risk to insurers.

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Can you review my existing Caravan Park Public Liability Insurance?

Yes. We can review your current policy schedule and wording, identify any potential gaps or restrictive conditions and provide alternative Caravan Park Public Liability Insurance quotes at renewal or earlier if necessary.

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How do I make a public liability claim on my caravan park policy?

If an incident occurs or a claim is intimated, contact Insure24 as soon as possible. We’ll notify your insurer, guide you on evidence to collect, and support you throughout the claims process, from first notification to resolution.

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