Caravan Park Insurance Policies in the UK
Running a caravan site is a business like any other.
And no matter what the business there is always risk.
Fortunately you can insure against many of these risks, giving you peace of mind and financial security.
For a caravan park with employees, employee liability insurance is compulsory by law and caravan park owners must be insured for at least £5m.
The Health and Safety Executive can levy fines of up to £2500 per day if any employer does not have adequate cover in place and on display..
Now many might think that a caravan site is a low risk environment, but accidents can and will happen and it is for this reason that caravan park businesses are required to insure itself against this risk.
Employee liability insurance enables caravan park owners to meet the costs of damages and legal fees if any employee is injured or made ill at work through the fault of the employer.
It is always possible for employees to injure themselves when mending, repairing or maintaining any of the fixtures, fittings or buildings on the park.
They might also be at risk from consuming food and water while on the premises if due hygiene care is not practised and there have been well documented cases of illnesses like Legionnaire's Disease being caught due to poor hygienic conditions.
Extreme, perhaps, but possible.
And there is always the risk from the use of faulty electrical equipment.
And remember too that if staff are using vehicles owned by the caravan site and are involved in an accident resulting in injury or worse, the employer may be liable for the cost of any damages if fault is proven.
And the NHS can even recover its costs in this event from the caravan park owner should the caravan park owner be at fault.
It is also worth considering public liability insurance to protect the business from claims from customers or indeed from any member of the public visiting the park.
Unlike employer liability insurance, public liability insurance is not compulsory but it is only common sense.
Public liability insurance covers any awards of damages given to a customer or member of the public because of an injury or damage to their property caused by any employee of the business, including legal fees and costs of hospital treatment.
Any accident that may occur to employees might also be a danger to customers or members of the public visiting the caravan site so it makes sense for the park to be covered against these risks, too.
And it is also worth bearing in mind that caravan park customers have significant levels of property as well, as in some instances income streams run the risk of being damaged should disaster strike.
In this sense the risks for park customers can be higher.
Running a caravan park is not a dangerous business but it is not without some risk.
And a final piece of advice for anyone running a caravan park or thinking of doing so - go to a broker.
A broker will assess all likely risks and will make sure that these risks are insured against at a price that is competitive.
And no matter what the business there is always risk.
Fortunately you can insure against many of these risks, giving you peace of mind and financial security.
For a caravan park with employees, employee liability insurance is compulsory by law and caravan park owners must be insured for at least £5m.
The Health and Safety Executive can levy fines of up to £2500 per day if any employer does not have adequate cover in place and on display..
Now many might think that a caravan site is a low risk environment, but accidents can and will happen and it is for this reason that caravan park businesses are required to insure itself against this risk.
Employee liability insurance enables caravan park owners to meet the costs of damages and legal fees if any employee is injured or made ill at work through the fault of the employer.
It is always possible for employees to injure themselves when mending, repairing or maintaining any of the fixtures, fittings or buildings on the park.
They might also be at risk from consuming food and water while on the premises if due hygiene care is not practised and there have been well documented cases of illnesses like Legionnaire's Disease being caught due to poor hygienic conditions.
Extreme, perhaps, but possible.
And there is always the risk from the use of faulty electrical equipment.
And remember too that if staff are using vehicles owned by the caravan site and are involved in an accident resulting in injury or worse, the employer may be liable for the cost of any damages if fault is proven.
And the NHS can even recover its costs in this event from the caravan park owner should the caravan park owner be at fault.
It is also worth considering public liability insurance to protect the business from claims from customers or indeed from any member of the public visiting the park.
Unlike employer liability insurance, public liability insurance is not compulsory but it is only common sense.
Public liability insurance covers any awards of damages given to a customer or member of the public because of an injury or damage to their property caused by any employee of the business, including legal fees and costs of hospital treatment.
Any accident that may occur to employees might also be a danger to customers or members of the public visiting the caravan site so it makes sense for the park to be covered against these risks, too.
And it is also worth bearing in mind that caravan park customers have significant levels of property as well, as in some instances income streams run the risk of being damaged should disaster strike.
In this sense the risks for park customers can be higher.
Running a caravan park is not a dangerous business but it is not without some risk.
And a final piece of advice for anyone running a caravan park or thinking of doing so - go to a broker.
A broker will assess all likely risks and will make sure that these risks are insured against at a price that is competitive.
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