Holiday Caravan Site Owner's Insurance

Holiday Caravan Site Public Liability Insurance

Protect Your Holiday Caravan Park from Third-Party Injury and Property Damage Claims

Owning or managing a holiday caravan park comes with a unique set of risks—such as high visitor numbers, shared amenities, vehicle movement, and varying terrain. Public liability insurance is essential to protect your business if a guest, contractor, or member of the public is injured or their property is damaged while on your site.

At Quote Monkey, our Holiday Caravan Site Insurance includes £2 million of public liability cover as standard, with the option to increase to £5 million to meet licensing requirements or contract obligations. This cover helps you manage risk and stay compliant with local authority expectations.

Whether your site hosts static caravans, seasonal touring caravans, or a mix of accommodation, our insurance is tailored to the way your park operates. Public liability cover gives you financial protection against legal fees, compensation payouts, and injury-related claims—so you can focus on running a safe, enjoyable, and successful caravan park.

What Does Holiday Caravan Site Public Liability Insurance Cover?

Public liability insurance for holiday caravan parks protects you from legal costs and compensation claims if a guest, visitor, or contractor is injured or their property is damaged while on your premises. It covers legal defence fees, settlement costs, and associated expenses—helping shield your business from unexpected financial strain.

Typical examples of claims include:
A guest trips on an uneven step leading to their static caravan
A falling branch damages a holidaymaker’s parked vehicle
A tradesperson slips while accessing a service area

This cover is vital for the safe operation of your site and may be required by licensing authorities, park groups, or third-party booking platforms.

Why Choose Quote Monkey for Holiday Caravan Site Liability Insurance?

Policies tailored for holiday caravan park operators across the UK
Instant online quotes and same-day proof of insurance
Public liability cover from £2 million, with options up to £5 million
Optional employers’ liability cover for staff, cleaners, or seasonal workers
Buildings cover available for toilet and shower blocks, reception offices, and storage units
Simple annual payments with no hidden fees or interest charges

Who Needs Holiday Caravan Site Liability Insurance?

If you operate a static caravan park, holiday lodge site, or residential caravan estate, having the right public liability insurance in place is essential. When members of the public, tradespeople, or service providers visit your site, there’s always a risk of injury or property damage—especially with communal areas, visitor footfall, and site infrastructure.

Holiday caravan site liability insurance protects your business from the financial impact of legal claims and compensation payouts. Whether your park operates year-round or seasonally, our cover helps keep you compliant, protected, and worry-free.

We provide tailored liability insurance for a wide range of holiday site types, including:
Holiday caravan parks and static caravan sites
Lodge developments and chalet estates
Residential park home communities
Sites with shared toilet/shower blocks, reception areas, or roads
Multi-use holiday parks with on-site shops, clubs, or hot tubs

If a guest is injured on a step, trips on uneven ground, or suffers property damage due to poor site maintenance, you could be liable. Our specialist cover helps holiday site operators manage these risks with confidence and professionalism.

What Does Employers’ Liability Insurance Cover?

Employers’ liability insurance protects holiday caravan site owners if an employee, volunteer, or contractor is injured or becomes ill as a result of their work on site. This cover helps pay for legal defence, compensation settlements, and related costs—minimising financial risk to your business.

Common examples of claims include:
A groundskeeper strains their back while moving equipment around the park
A cleaner slips on a wet floor in a communal shower block
A seasonal staff member trips over loose cabling while helping with site setup
A maintenance worker falls while repairing a roof on a static caravan

Even a single accident can result in a legal claim. Employers’ liability insurance helps ensure your caravan park remains protected against the unexpected.

Who Needs Employers’ Liability Insurance?

If you run a static caravan site or holiday park and employ anyone—even casually or seasonally—you are likely legally required to hold employers’ liability insurance. This cover protects you if a worker becomes ill or is injured as a result of their duties.

You’ll need this cover if you:
Employ full-time, part-time, or casual staff
Use volunteers, contractors, or seasonal team members
Operate a holiday park, residential caravan site, or lodge estate
Have staff who handle cleaning, maintenance, guest services, or administration

When you arrange employers’ liability insurance with Quote Monkey, we’ll issue a valid certificate that you can print and display on site to meet UK legal requirements.

We can include up to £10 million of employers’ liability cover within your policy—providing full protection and peace of mind for your holiday site.

Why Choose Quote Monkey for Employers’ Liability Insurance?

Quote Monkey provides reliable, FCA-regulated employers’ liability insurance designed for UK caravan parks, static caravan sites, and holiday lodge developments. Whether you manage a seasonal touring park or a year-round holiday estate, we help safeguard your staff and business from the financial impact of workplace injury claims.

Why site owners choose Quote Monkey:

Flexible cover limits up to £10 million to suit your staffing needs
Fully compliant with UK law—protecting employees, volunteers, and contractors
Can be combined with public liability and buildings insurance for full protection
Ideal for holiday caravan parks, lodge sites, and mixed-use leisure venues
Backed by over a decade of experience supporting UK site operators

When you take out employers’ liability insurance with Quote Monkey, you’ll receive an official certificate to print and display on site—helping you remain compliant and inspection-ready.

Buildings Insurance for Holiday Caravan Sites

Specialist Protection for Permanent and Seasonal Structures

Holiday caravan sites often include a mix of permanent and non-standard buildings—reception cabins, utility blocks, and communal facilities. At Quote Monkey, we offer tailored buildings insurance to protect these vital structures against common risks.

Our cover protects against:

Fire
Storm and flood damage
Theft
Vandalism 

(Please note: accidental damage is not included.)

Examples of Buildings We Can Cover

Standard Construction:
Reception offices
Toilet and shower blocks
Storage buildings and site offices
Utility cabins

Non-Standard Construction:
Timber-built lodges or cabins
Portable toilets and sanitation units
Glamping-style units used alongside caravan accommodation
Seasonal or lightweight communal buildings

No two parks are the same. That’s why our buildings insurance is designed to match your specific site layout, materials, and facilities—helping you recover quickly if disaster strikes.

Why Buildings Insurance Matters for Holiday Caravan Site Owners

Your site’s infrastructure plays a critical role in delivering a safe, enjoyable guest experience. Whether it’s a toilet block, shower facility, reception office, or storage unit, damage to any of these buildings can disrupt your operations, reduce occupancy, and result in costly repairs.

With Quote Monkey’s Holiday Caravan Site Buildings Insurance, you're protected against common risks including fire, flood, storm damage, theft, and vandalism. While our policy does not cover accidental damage or damage caused by guests, it offers strong protection for the core risks that caravan site owners face.

This tailored cover helps you recover quickly and continue running your park with confidence—minimising downtime and keeping your guests happy.

Why Choose Quote Monkey for Holiday Caravan Site Buildings Insurance

Flexible cover for permanent and non-permanent site buildings
Protection for fire, flood, storm, theft, and vandalism (excludes guest damage and accidental loss)
Specifically tailored for UK holiday caravan parks and static caravan sites
More than 10 years’ experience insuring leisure and holiday parks
FCA-regulated with expert support from our UK-based team

At Quote Monkey, we understand the needs of caravan park operators. Our buildings insurance is designed to reflect your site’s structure types, layout, and operating season. Request a quick, no-obligation quote today to safeguard your site’s essential facilities.

Get a Holiday Caravan Site Owners Insurance Quote Holiday Caravan Site Owners Insurance FAQs

Types of Leisure Property and Site Insurance We Offer

Explore our specialist insurance products for holiday homes, caravans, and site owners across the UK: