Leisure Site Liability Insurance FAQs

Site owners' liability insurance protects you if someone is injured or their property is damaged due to your site's condition or operations. It provides financial protection for legal fees, compensation, and claims that may arise from public use of your premises.

Public liability insurance typically covers third-party injury or property damage occurring on your site. Examples include a visitor tripping on uneven ground or a branch from a tree damaging a parked car. Our policies include up to £2 million cover as standard, with options to increase to £5 million.

Typical public liability claims involve injury or damage caused by conditions on your site. For example, a visitor may slip on an unmaintained pathway and suffer an injury, or a guest's car could be damaged by falling debris from an unstable tree. Our policy helps cover the legal and compensation costs in these scenarios.

Employers' liability claims often involve workplace accidents or injuries. For example, a groundskeeper could strain their back while lifting equipment, or a cleaner might slip on a wet floor in a shower block. Employers' liability cover helps with legal costs and compensation if an employee is injured during the course of their work.

Yes. If you employ staff, even part-time or seasonal workers, you may be legally required to hold employers' liability insurance. We can include this cover to protect against claims from employees injured while working on site. If you take out employers' liability cover, we will provide a certificate to display, as required by law.

We cover a wide range of leisure and residential sites across the UK, including park home estates, holiday lodge parks, static caravan sites, touring campsites, and glamping venues.

Yes. We specialise in site liability insurance for residential park home estates, covering public liability, optional employers' liability, and site infrastructure. Cover can extend to buildings such as reception offices and communal areas.

Absolutely. We can cover a wide range of leisure sites including holiday parks, glamping venues, touring campsites, and mixed-use developments. Cover can include liability insurance as well as buildings such as shower blocks and non-standard units.

Yes. We can insure both standard construction buildings such as reception offices, toilet blocks, and storage units, and non-standard structures including safari tents, yurts, and portable toilets.

Yes. We offer buildings insurance for permanent and non-permanent site structures including toilet blocks, shower facilities, office buildings, and non-standard units such as glamping tents or portable toilets. This cover protects against damage caused by fire, storm, flood, vandalism, or theft.

Common claims under buildings insurance include fire damage to toilet blocks or offices, storm damage to roofs or glamping units, flooding of communal areas, and vandalism of site facilities. Our policies help cover repair or replacement costs for these structures.

Yes. We can provide cover for sites that have public rights of way or footpaths crossing through them. This is a common feature in many rural or countryside-based parks, and we ensure liability cover reflects this exposure.

Yes. We can offer cover for sites that include natural water features such as rivers, streams, or ponds. Our policies are tailored to reflect these additional exposures and ensure your site remains protected against associated risks.

Yes. We can provide cover for sites that include hot tubs or spa facilities. These features are considered during underwriting to ensure appropriate liability protection is in place for guest and visitor safety.

Yes. We can cover sites that have on-site shops, cafés, or other retail units as part of the wider park or campsite operation. These can be included under your liability and buildings cover where applicable.

Yes. We can provide cover for sites that include licensed bars or clubhouses. These can be incorporated into your liability insurance, subject to appropriate risk management and licensing requirements.

Yes. We can provide liability cover for sites that allow fires, provided they are contained in designated fire pits or safe fire bowls. Open fires or unsupervised fire risks may be subject to additional underwriting review.

Instantly. Once you’ve arranged cover and completed payment, we’ll email your certificate and full documentation—often accepted as proof of cover by site regulators and councils.

Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority (FCA number 563348). We’ve been helping UK customers with specialist insurance since 2011.

No. We only offer annual payment terms. All premiums must be paid in full when taking out the policy. This allows us to keep our pricing competitive with no hidden fees or interest charges.