Caravan Park Insurance

Insurance for your park

At Compass, we understand that your park is your livelihood and so it’s crucial to keep it protected from any mishaps that might bring business to a halt. In our 35+ years of specialising in park and holiday home insurance, we’ve witnessed most types of disaster and we constantly tailor our products and services according to parks’ needs.

Via our national network of account executives and our work with BH&HPA, we keep tabs on what’s happening in the industry and the challenges and opportunities facing park owners in their everyday business. We can’t prevent wind or rain, drought or deluge, but we can offer guidance on keeping any impact to a minimum and if you need to make a claim, we promise to apply all our resources to help you get cleared up afterwards and back up and running as quickly as possible.

Our caravan park insurance products are also backed by the Compass Major Disaster Plan, which offers on-park assistance 24 hours a day, 365 days a year. The list opposite provides more details about Compass Insurance cover. You can also visit our ‘Insuring your Customers’ page to find out how you can generate further income for your park business by helping promote Compass Insurance to your customers.

To find out more about how we can help your caravan park, please speak to the Compass team on
01452 511430.

What we cover

Buildings and Underground Services

Buildings and underground services insurance can cover all your utilities infrastructure supplying pitches with electricity, water, sewerage, gas etc., main park buildings, permanent fixtures and fittings and interior decorations, outbuildings, paths, drives, ponds, tennis courts, swimming pools, walls, gates, fences, hedges and garages. Foundations, architects, surveyors, consulting engineers, demolition and debris removal costs can also be included.

Contents and Machinery

The contents of your park buildings, such as furniture, furnishings, gaming machines, tills, catering equipment, domestic appliances and electrical goods, are covered for accidental damage and loss or damage by specific causes, such as: theft, fire, flood, storm, burst pipes, lightning, explosion, earthquake, collision, riot, vandalism and other perils.

Hire Fleet and Sales Stock

Our hire fleet policy covers structure and contents insurance for all your hire fleet units and provides the public liability cover required for any members of the public renting the units.

Business Interruption

Our Business Interruption cover is designed specifically for the needs of the parks industry. As well as providing protection against major incidents such as fire or flood, we also include cover for death, injury or illness of the park operator or key members of staff.

Public and Products Liability

When you deal with customers on your premises and sell products or services you may become liable in the event of any injury or illness arising. Compass public and product liability insurance covers financial protection in the event that your business is sued for injuring or causing damage to the property of a park customer or member of the public. Insurance is provided for goods supplied to others, which were sold, manufactured, repaired, installed, erected, altered, cleaned or treated by your park business and that, through your negligence, cause injury or damage.

Employers Liability

If an employee is injured during the course of their work, or they or a former employee fall ill as a result of their work whilst in your employment, they might make a claim for compensation from you. Under the Employers’ Liability (Compulsory Insurance) Act 1969 it is compulsory for employers to insure themselves against any such claim and you must be covered to a minimum of £5,000,000. Claims made against you by employees are not covered by public liability insurance.

Motor Insurance

We can offer fully comprehensive cover for all vehicles – including cover for agricultural vehicles as well as fleet, and private vehicles for park owners. Compass Motor insurance can cover you wherever your vehicles travel, in the UK or abroad.

Computer and Engineering

We can provide tailored insurance policies for your computers, including software programmes and data carrying material, and engineering items such as boilers, pressure plants, lifting and handling equipment.

Legal Expenses

Legal expenses can quickly mount up if you find yourself being pursued by a customer or supplier, or you have to defend yourself against a breach of health and safety. Compass Legal Expenses insurance is designed to provide counsel and guidance should these scenarios arise.

Directors Liability

Directors and officers of park businesses have various duties, responsibilities and powers in connection with their position. As a result they can be held responsible for a range of issues including: health and safety, data protection, maintaining satisfactory accounts, fraud, and negligence.

The law permits directors to protect and insure themselves against any liability for negligence, default, breach of duty and breach of trust. This can include insurance for criminal proceedings that may be brought against a director or officer of a company.

Terrorism

You may have some insurance against acts of terror within your employers’ liability cover, but without additional cover you may be severely underinsured for the scale of liabilities you could face in the event of a terrorist incident.

Our terrorism insurance could help you get the additional cover you might need, including third party bodily injury, property damage, pollution clean-up and defence costs as a direct result of an act of terror.

All insurance cover is subject to individual circumstances and Terms and Conditions.

Appointed by BH&HPA to serve the industry’s insurance needs