Caravan Park Insurance
Specialist Caravan Park Insurance Broker
Specialist Caravan Park Insurance Brokers
Running a caravan park involves managing guests, staff, cabins, powered sites, amenities, and shared facilities — all while dealing with weather risks, public liability exposure, and strict compliance requirements. With so many moving parts, unexpected damage, liability claims, or business interruptions can put your livelihood at risk.
That’s why having Morgan Insurance Brokers on your side pays off. As specialist Caravan Park Insurance Brokers, we understand the unique risks faced by caravan parks and holiday parks across Australia. We work with a wide panel of insurers to arrange tailored Caravan Park Insurance, not one-size-fits-all policies.
Why Choose a Specialist Caravan Park Insurance Broker?
Caravan parks face very different risks compared to standard commercial properties. From guest injuries and storm damage to seasonal income fluctuations, your insurance needs to be designed specifically for your operations.
As experienced caravan park insurance brokers, we:
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Understand the caravan and holiday park industry
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Identify gaps and exclusions in standard policies
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Compare multiple insurers on your behalf
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Tailor cover to suit your park’s size, location, and activities
This ensures your business is properly protected when the unexpected happens.
What Does Caravan Park Insurance Cover?
Caravan Park Insurance is typically arranged as a specialised Business Package Insurance and can be customised to suit everything from small family-run parks to large holiday resorts with cabins and extensive amenities.
A well-structured policy may include protection for:
Property Damage Claim Example
Business Interruption Claim Example
Theft Claim Example
Money Claim Example
Public Liability Claim Example
Glass Example
Machinery Breakdown Example
Electronic Breakdown Example
What is typically not covered?
Understanding exclusions is just as important as knowing what’s covered. An experienced broker ensures you’re never caught off guard.
Common exclusions may include:
Deliberate acts
Product recall costs
Injuries to your employees (Workers Compensation)
Wear & Tear and Old Age
Flood - Available on request
Aircraft products
Asbestos Liability
Pollution Liability
Contractual Liability
Professional advice
Why do you need Caravan Park Insurance?
Owning or managing a caravan or holiday park comes with unique risks that can quickly impact your business and reputation. Storms, fires, guest injuries, theft, or loss of income can cause serious financial strain.
Caravan Park Insurance protects:
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Cabins, amenities, and park infrastructure
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Equipment and machinery
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Your liability to guests and the public
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Your income during unexpected closures
With tailored Caravan and Holiday Park Insurance arranged through Morgan Insurance Brokers, you can operate with confidence and peace of mind all year round.
How Much Does Caravan Park Insurance Cost?
The cost of Caravan Park Insurance can vary significantly depending on your park’s location, the types of accommodation you provide, and the level of cover required. Caravan parks located in cyclone-prone regions often face higher insurance premiums due to increased exposure to extreme weather events, as outlined in our guide to understanding cyclone insurance cover for caravan parks across Northern Australia.
Other important factors that influence the cost of caravan and holiday park insurance include the size of your park, whether you have permanent or long-term residents, the total value of your cabins and infrastructure, and the range of facilities and activities offered on site. It’s also important to note that Caravan Park Insurance is generally more expensive than standard commercial property insurance due to the higher risk of public liability claims and natural disasters.
To get an accurate understanding of how much your Caravan Park Insurance will cost, it’s best to speak with a specialist broker like Morgan Insurance Brokers. We compare quotes from a wide panel of insurers and tailor your policy to ensure your caravan park is comprehensively protected from every angle.
What recreational activites can be covered under caravan park insurance?
Many caravan and holiday parks offer a wide range of on-site recreational features, including jumping pillows, pedal karts, water slides, flying foxes, kayaking, and designated swimming areas. These attractions play a key role in guest experience but also introduce additional liability risks.
The good news is that these recreational activities can be covered under Caravan Park Insurance, provided they are properly declared and supported by appropriate safety procedures and risk management practices. As explained in our blog, Can Caravan Park Recreational Activities Be Covered by Insurance?, each activity carries its own risk profile, making it essential that your insurance policy specifically includes all recreational equipment, attractions, and activities offered at your park.
FAQ's
Caravan Park Insurance covers property damage, public liability, theft, business interruption, and machinery or electronic equipment breakdown. It protects cabins, amenities, and park assets from unexpected events like storms, fire, or accidents. This tailored caravan park insurance ensures your business stays financially secure and operational when the unexpected happens.
As experienced insurance brokers, we know the cost of Caravan Park Insurance in Australia varies depending on your park’s size, location, and risk profile. At Morgan Insurance Brokers, we compare quotes from multiple insurers to find the best-value cover tailored to your needs.
Yes, Caravan Park Insurance typically includes Public Liability cover, which protects you if a guest, visitor, or third party is injured or their property is damaged while on your premises. At Morgan Insurance Brokers, we ensure your liability cover is comprehensive and suited to your park’s operations and risk level.
Yes, cyclone insurance can be covered under a caravan park insurance policy, but it depends on your location and insurer. Understanding Cyclone Insurance Cover for Caravan Parks is important when running a caravan park. In northern Queensland and other high-risk cyclone regions, cover may be limited, harder to obtain, or come with higher excesses.
