Holiday Park and Residential Park Insurance

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 £10,000 on any one claim. Accidental damage cover is included as standard.

Contents

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 (BI) 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 covers 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 or not they are sited.

Private Dwellings

We can also insure your structure and contents of your residential properties.

For more information on the covers 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 covers 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.