• Park Property – Buildings, reception, shower blocks, club houses and facilities against fire, storm, flood and other insured damage.
• Static & Seasonal Units – Cover for caravans and park-owned units including fixtures, fittings and decking.
• Public Liability – Protection if guests or visitors are injured or their property is damaged on your park.
• Employers’ Liability – Mandatory cover if you employ permanent or seasonal staff.
• Business Interruption – Loss of gross profit following an insured event that forces you to close or reduce capacity.
• Money & Theft – Protection for park takings, vending machines and on-site shops.
• Legal Expenses – Support with contract, employment and regulatory disputes.
• Equipment Breakdown – Optional cover for key plant such as boilers, pumps and electrical equipment.

• Storm and high winds damaging caravans, roofs and trees.
• Flooding to low-lying or riverside pitches during heavy rain.
• Slips, trips and falls on wet paths and uneven ground.
• Playground and leisure facility accidents involving children.
• Kitchen, bar or restaurant fires during peak season.
• Water damage from burst pipes during closed periods.
• Theft or vandalism to unoccupied areas out of season.
• Regulatory action following health & safety incidents.

• Sector Expertise – We understand the differences between seasonal, mixed-use and year-round parks.
• Tailored Cover – Policies shaped around your opening dates, facilities and risk profile.
• Competitive Premiums – Access to a wide panel of leading UK park insurers.
• Claims Support – Help managing claims quickly to minimise downtime and disruption.
• Risk Management – Guidance on inspections, maintenance and safety to help reduce claims.
• Flexible Limits – Options for small family-run parks through to large multi-park groups.

• 1. Get a Quote – Share details of your park, opening dates, units and facilities.
• 2. Review Cover – We’ll explain the options and highlight any key risk gaps.
• 3. Tailor Your Policy – Choose limits and extensions that match your risk appetite and budget.
• 4. Put Cover in Place – Receive your documents and immediate cover from your chosen start date.
• 5. Ongoing Support – We’re here to help with mid-term changes and claims throughout the season.

• Enhanced storm and flood focus for exposed sites.
• Cover for sea-wall, slipways and coastal access areas.
• Protection for holiday homes and seasonal tourers.
• Liability for beaches, riverside walks and jetties.
• Seasonal closures and winterisation considerations.

• Playgrounds, kids’ clubs and entertainment venues.
• Swimming pools and water features.
• Bars, restaurants and on-site retail.
• Events, shows and visitor attractions.
• High occupancy pressures in school holidays.

High winds, heavy rain and coastal storms can cause major damage to caravans, roofs, trees and infrastructure. Seasonal parks close for part of the year, which can delay discovery of damage.

• Roof and cladding damage to buildings.
• Fallen trees and debris damaging units.
• River or sea flooding affecting low-lying areas.
• Access roads washed out or blocked.

With families and guests on-site, accidents can and do happen. Public liability claims can be costly even when you’ve followed good practice.

• Slips, trips and falls around the park.
• Playground and activity injuries.
• Food poisoning or allergen incidents.
• Injuries in swimming pools and leisure areas.

Periods of closure can increase the risk of theft and malicious damage, especially where the park is remote or not permanently staffed.

• Theft of equipment, tools and stock.
• Break-ins to reception, bars or shops.
• Vandalism to caravans and facilities.
• Arson and malicious damage.

• Rebuilding and repair costs for damaged buildings and caravans.
• Debris removal and site clearance.
• Emergency works to make the park safe.
• Legal and compensation payments for injury claims.
• Professional fees – surveyors, engineers and solicitors.
• Replacement of stolen or damaged equipment and stock.

• Location – coastal, riverside, rural or urban setting.
• Flood and storm exposure.
• Condition of buildings, units and infrastructure.
• Playground, pool and leisure risk controls.
• Fire, gas and electrical safety arrangements.
• Security measures during closed periods.
• Housekeeping and maintenance schedules.

Situation: A severe winter storm caused significant roof damage to the clubhouse, reception and several static units at a coastal seasonal park.

Impact: Without insurance, repair and debris clearance costs would have exceeded £200,000, with opening for the new season at risk.

Resolution: The policy responded to property damage and business interruption, enabling repairs to be completed before Easter and protecting the season’s bookings.

Situation: A kitchen fire spread through the bar and restaurant area in mid-season, forcing closure of the main building.

Impact: The park faced the loss of food & beverage income and a poor guest experience at the busiest time of year.

Resolution: Property and business interruption cover funded repairs and temporary facilities, allowing the park to continue trading with minimal loss of income.

• Regular inspection of paths, steps and lighting.
• Tree surveys and maintenance near units and buildings.
• Routine gas and electrical safety checks and certification.
• Pool safety procedures and water quality testing.
• Fire risk assessments and equipment servicing.
• Secure storage for flammables and chemicals.
• Robust security and CCTV where appropriate.
• Shutdown and winterisation procedures when closed.

Ideal for: Small seasonal parks with limited facilities.

• Core buildings and contents cover.
• Public liability (entry-level limits).
• Employers’ liability (where required).
• Basic business interruption protection.
• Standard money and theft cover.

Ideal for: Larger parks with entertainment, pools and extensive facilities.

• High property and liability limits.
• Comprehensive business interruption (including peak season focus).
• Broader theft, malicious damage and accidental damage cover.
• Enhanced legal expenses and crisis PR support.
• Risk management and survey support.

• The cost of repairing or rebuilding damaged park buildings and caravans.
• Loss of your net profit if you have to close due to an insured event.
• Compensation and legal costs following guest or visitor injury claims.
• Replacement of stolen or vandalised equipment and stock.
• Your legal defence costs and damages you are legally liable to pay to other parties.
• Additional expenses to keep trading, such as temporary facilities or alternative accommodation.

• Health and Safety at Work etc. Act and associated regulations.
• Gas Safety (Installation and Use) Regulations for units and buildings.
• Electrical safety requirements and inspection regimes.
• Swimming pool and spa guidance (including HSE and PWTAG).
• Food hygiene requirements for bars, restaurants and takeaways.
• Local authority park licensing conditions and site rules.
• Fire safety legislation and risk assessment obligations.