Holiday Park and Residential Park Insurance: Specialist insurance for owners and operators

We offer specialist business insurance for holiday parks and residential parks, helping park owners protect their facilities, business operations and reputation.

One of the principal challenges you may face as a park operator is protecting yourself and your facilities from financial or reputational damage. Whether you operate a holiday park (with caravans, chalets, lodges, glamping, touring or camping) or a residential mobile home park, it is important to obtain business insurance that is suitable for your park and your customers.

Gallagher proudly helps protect over 1,000 holiday and residential parks across the UK and Northern Ireland. Our clients range from some of the largest groups in the UK to well-established family-run businesses. With extensive experience and knowledge gained from working closely with the park industry, we have developed specialist policy wordings designed for holiday and residential parks.

Partnering with an insurance broker that specialises in your industry can help you find appropriate cover at an acceptable premium, as well as assistance with your overall risk management programme. We have outlined the available covers below, which we can arrange for your business.

Buildings

As well as your park's buildings, cover can extend to cover the parks infrastructure including concrete bases, driveways, car parks, swimming pools, artificial playing surfaces, walls, gates and fences, signs, blinds and underground services. If you insure your underground services, the policy extends to cover the costs of tracing leaks, plus the cost of accessing them, including any necessary excavation, and making good the damage caused as a result, up to a maximum of £25,000 in on any one claim. Accidental damage cover is included as standard.

Covers the contents of the commercial buildings, including park machines, machinery, plant, and all other contents normally associated with the business, belonging to you or for which you are responsible. Cover for park machines extends to cover the machinery whilst being used on the Park.

Contents cover also extends to cover freezer contents (deterioration of stock) and loss of money.

Accidental damage cover is included as standard.

Business Interruption

Business interruption insurance provides cover for the financial loss suffered by the business caused by interruption or interference to the business by any event covered under the buildings and or the contents section of the policy.

This can include cover for death, injury of the park owner or any key members of staff.

Liabilities

Legal liability in respect of injury (including death or illness) to any third party and employees and damage to property not belonging to you, caused in the course of the business anywhere in the United Kingdom including the Channel Islands and The Isle of Man.

In addition to the above our policy provides indemnity for:

£1,000,000 in respect of corporate manslaughter defence costs.
damage to your customer’s caravans and park homes whilst in your custody and control.

Loss of Licence

Provides cover for the depreciation in value if your licence is forfeited or revoked by the licencing authority and you are unable to sell excisable liquors.

Personal Accident

Provides a lump sum payable (three levels of cover) if an insured person sustains accidental bodily injury resulting in death, disablement or permanent disability, within 104 weeks from the date of the accident.

For temporary total disablement a weekly amount will be payable for a period of 104 weeks.

For more information on the cover we provide within our specialist holiday and residential park insurance, please call our team on 0800 138 7533.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Hire Fleet

Provides comprehensive cover for your hire fleet of caravan, chalets and lodges and any other letting property that you may have on your park.

Sales Stock

Covers all of your units that are for sale, whether sited on a pitch or located on the sales ground.

Private Dwellings

We can also insure your structure and contents of your residential properties, including staff accommodation and holiday lets.

For more information on the cover we provide within our specialist holiday and residential park insurance, please call our team on 0800 138 7533.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Contractors’ All Risks

Provides cover for damage to property during the course of construction/alteration and third-party injury or damage claims. Damage to property can include improper construction of structures, damage that happens during a renovation, and damage to temporary works and plant on-site.

Cyber Risks

A cyber-attack or other cyber event could leave you open to risks such as reputational damage, supply chain interruption, loss or corruption of data, and financial losses. Cyber insurance is designed to protect you against the financial consequences of first-party and third-party losses, and can provide specialist support when you need it most.

Engineering

Inspection of lifting appliances and/or pressure vessels to comply with statutory regulations, including breakdown and consequential loss arising from an incident.

Excess Public Liability and Employers’ Liability

The commercial combined policy provides limits of liability up to £10 million. We can arrange excess layer policies, increasing these limits up to £70 million.

Legal Expenses

Commercial legal expenses insurance provides you with access to legal advice, along with insurance cover for legal costs and expenses should you experience one of the legal problems covered by the policy in relation to your business activities, including customer and employee disputes.

Management Liability

Directors’ and Officers’ (D&O) liability insurance provides protection for the directors and officers (including senior managers) of a company for claims made against them personally for alleged wrongful acts in their position. It can also be extended to cover the entity itself.

Motor

We can provide motor policies for all business vehicles from directors’ cars to machinery used on parks.

For more information on the cover we provide within our specialist holiday and residential park insurance, please call our team on 0800 138 7533.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

How will our partnership work?

Your regional account managers will take the time to learn about your business, ensuring they fully understand any specific requirements or challenges. This in-depth knowledge will help them to offer you a solution whenever you call upon them for assistance.

If you need to make a claim on your policy, our dedicated in-house claims team is here to support you every step of the way. We’ll guide you through the process, keeping you informed of developments and ensuring you have all the information you need.

Thanks to the extensive expertise of our claims team, our underwriters have entrusted us with delegated claims authority. This allows us to manage and negotiate claims directly on their behalf, enabling us to provide a tailored and proactive claims service for both you and your customers.

Holiday Home Owner Schemes

As a park owner, it's important for you to know that all of your customers' units are protected with adequate holiday home insurance.

Our holiday home owner policy is 5-star Defaqto rated*

We have developed a policy specifically designed for park owners to promote to individuals who own static caravans, chalets or holiday lodges on their park. Our 5-star Defaqto* rated holiday home owner policy provides cover, efficient claims management support and reassurance to your individual owners.

A choice of three insurance distribution models

We offer three convenient ways to distribute insurance to customers owning holiday homes on your park. Whether you prefer a hands-on approach or would rather leave the legwork to us so you can focus on the day-to-day running of your park, we have an option to suit your business needs. Simply choose the approach that works best for you.

Option1

Appointed representative

As an appointed representative of Arthur J. Gallagher Insurance Brokers Limited (subject to approval by the Financial Conduct Authority) you fully administer the individual private owners insurances, using Gallagher's on-line portal.

Option2

Appointed representative new business only

As a new business only — appointed representative you can provide quotes and issue policy documents to new customers, using Gallagher's online portal.

Gallagher's consumer team will deal with all changes to customer policies and invite renewals.

Option3

Introducer

As an introducer you would be able to:

Display and distribute product literature
Call our office while the customer is in your office so that we can arrange cover over the phone with your customer

Please feel free to reach out in case you have any questions.