Can Caravan Park Recreational Activities Be Covered by Insurance?
Running a caravan park means offering guests not just a place to stay but memorable experiences. From jumping pillows and pedal karts to waterslides, flying foxes, kayaks, and boat ramps, these recreational activities are what make your park stand out.
The good news? Yes, all these activities can be covered under caravan park insurance.
What Can Be Covered
Caravan park insurance can include protection for:
- 🏰 Jumping pillows and playgrounds — ensuring safety coverage for children’s play equipment.
- 🚴 Pedal karts and equipment hire — liability cover for guest use and equipment management.
- 💦 Waterslides and swimming areas — coverage for water-based attractions.
- 🪂 Flying foxes and adventure equipment — cover for supervised thrill activities.
- 🚤 Kayaks, boat ramps, and watercraft hire — liability and damage cover for on-water recreation.
Every park is unique, so coverage should be tailored to your attractions and operations.
Why Choose Morgan Insurance Brokers
At Morgan Insurance Brokers, we understand that no two caravan parks are the same. That’s why our team is always reviewing and negotiating with caravan park insurers to secure the best possible cover and inclusions for your park.
We take the time to assess your facilities and recreational offerings to ensure every aspect, from your playground to your kayak fleet is protected. Our brokers have strong relationships with specialist insurers who understand the caravan park industry inside and out.
Protect Your Guests, Staff, and Business
Having comprehensive insurance isn’t just about ticking a compliance box — it’s about peace of mind. With tailored caravan park insurance, you can operate confidently knowing that your recreational activities and equipment are covered against unexpected events or liability claims.
Talk to the Caravan Park Insurance Specialists
If you’re not sure whether your current policy includes all your recreational activities, contact Morgan Insurance Brokers today. We’ll review your policy, identify any gaps, and ensure your caravan park is fully protected so you can focus on giving guests the best possible experience.
Why Your Turnover Matters for Public Liability Insurance
If you’ve ever filled out a public liability insurance form and seen the question about your annual turnover, you’ve probably wondered:
“Why do they even care how much money I make?”
It’s a really common question and as an insurance broker, let me explain why it’s actually a big deal and Why Your Turnover Matters for Public Liability Insurance.
Turnover = Activity, Not Profit
When insurers ask about your turnover, they’re not being nosy about your profits. They’re using it to understand how busy your business is.
More turnover usually means:
- More customers or clients
- More jobs or contracts
- More interaction with the public
And with all that extra activity comes one simple thing: more opportunities for things to go wrong.
A tradie doing five big jobs a week is exposed to more risk than one doing one or two. Same goes for cafes, salons, or consultants. The more you do, the more the insurer needs to account for potential claims.
How Turnover Affects Your Premium
Insurance premiums are based on risk.
If your business is busier, insurers assume there’s a higher chance something might happen, like property damage or someone getting hurt.
That’s why turnover is a key pricing factor.
It doesn’t mean they’re punishing success, it’s just about making sure your cover matches the scale of your operations.
Don’t Be Tempted to Understate It
It might be tempting to think, “If I just put my turnover a little lower, maybe my premium will be cheaper.”
I totally get it because no one wants to pay more than they have to!
But the thing is, your turnover helps make sure your insurance actually fits your business. If it’s way off, it can make things messy later on if you ever need to make a claim.
While it’s not common for things to go wrong, being accurate just keeps everything straightforward and avoids any awkward back-and-forth with the insurer down the track.
A quick chat with your broker can make sure your numbers make sense and your cover stays spot on.
What You Should Do
Be as accurate as possible. If your turnover fluctuates, use your best estimate based on last year’s numbers and what you expect this year.
And if things change during your policy such as your business grows faster than expected, just let your broker know. We can adjust your cover so you’re still properly protected.
The Bottom Line
Turnover isn’t about judging your income it’s about understanding your exposure.
Being upfront protects you and ensures your insurance will actually do its job when you need it most.
At the end of the day, honesty with your broker means peace of mind for you.
Understanding Cyclone Insurance Cover for Caravan Parks
Understanding Cyclone Insurance Cover for Caravan Parks is crucial for your insurance as parts such as Northern Australia are no stranger to cyclones. From Queensland’s tropical coastline to the Top End and Western Australia’s north-west, severe weather events can cause devastating damage to caravan parks destroying cabins, uprooting trees, and leaving operators facing costly repairs and lost income.
Having the right cyclone insurance cover isn’t just a safety net, it’s essential protection for your business, your guests, and your financial future.
Why Cyclone Insurance Is Crucial for Caravan Parks
Cyclones bring destructive winds, torrential rain, and flooding, all of which can cause extensive damage to caravan park infrastructure. Caravan parks, with their combination of fixed buildings, cabins, and relocatable dwellings, face unique exposure.
A comprehensive policy that includes cyclone cover can protect you from:
- Property damage which includes damage for your cabins, amenities blocks, fences, and signage
- Loss of income which is called Business Interruption Insurance if your park must close after a cyclone
- Debris removal and cleanup cost
Without adequate cover, recovery can take months, or even years.
Cyclone Cover in Northern Queensland
If you operate a caravan park in Northern Queensland, you’ve likely already discovered that cyclone insurance can be difficult to obtain. Insurers often see the region as high risk due to the frequency and severity of past events.
As a result:
- Some insurers won’t offer cover at all for cyclone-prone postcodes.
- Others may provide limited coverage but with very high excesses, sometimes tens of thousands of dollars.
- Flood and storm surge cover might be excluded or restricted unless negotiated separately.
This can leave park owners frustrated and unsure how to find reliable protection for their business.
How Morgan Insurance Brokers Can Help
That’s where Morgan Insurance Brokers make a difference.
With deep experience in caravan park insurance across Northern Australia (and nationwide), Morgan Insurance Brokers understand the challenges of securing cover in cyclone-prone areas. Their team works directly with a range of specialist insurers and underwriters who are willing to provide tailored solutions even when others won’t.
Why Choose Morgan Insurance Brokers?
- Access to niche markets: They can approach insurers not always available to the public.
- Personalised advice: They assess your park’s unique location, structures, and risk profile.
- Tailored coverage: They negotiate cyclone and flood cover options to suit your budget and needs.
- Support when it matters: In the event of a claim, they guide you through every step of the process.
Morgan Insurance Brokers don’t just find you an insurance policy, they help you secure peace of mind during Australia’s most volatile weather seasons.
Final Thoughts
Cyclone insurance can be challenging and expensive to obtain in Northern Queensland but it’s also one of the most critical protections for caravan park owners.
By working with Morgan Insurance Brokers, you gain access to expert guidance, broader insurer options, and the reassurance that your business will be supported through every stage from policy selection to post-cyclone recovery.
Before the next storm season begins, speak with Morgan Insurance Brokers about your caravan park’s cyclone cover. A short conversation today could save you months of stress and thousands of dollars down the track.
