Caravan Park Insurance

Specialist Caravan Park Insurance Broker

Caravan Park Insurance

Specialist Caravan Park Insurance Broker

Group 2826

Caravan Park Insurance Broker - Why it pays to have us on your side

Running a caravan park comes with its fair share of moving parts, from managing guests and staff to maintaining cabins, powered sites, and shared facilities. With so many responsibilities, the last thing you need is unexpected damage, liability claims, or compliance issues putting your business at risk. That’s where having Morgan Insurance Brokers on your side pays off. As specialist Caravan Park Insurance brokers, we understand the unique challenges of the holiday park industry and work with a wide panel of insurers to find cover that genuinely fits your operations, not just a one-size-fits-all policy

Get a Quote

What Does Caravan Park Insurance Cover?

Every caravan park is different, from small family-run sites to large holiday resorts with cabins, powered sites, and amenities. That’s why caravan park insurance is designed to cover a wide range of risks unique to your operation. A well-structured policy can protect your business from property damage, liability claims, equipment breakdown, business interruption, and even guest-related incidents. It’s about ensuring that when the unexpected happens, whether it’s a storm, an accident, or a public liability claim, your business is financially protected and can keep operating with confidence.

Group 2685

Property Damage

Example:

A severe storm sweeps through the area, damaging several guest cabins, tearing shade sails, and flooding the amenities block. The caravan park’s property cover under its insurance policy pays for the repair and replacement of the damaged buildings and equipment, including electrical systems and outdoor structures.

Business Insurance

Business Interruption

After a major storm causes severe damage to several cabins and the amenities block, the caravan park is forced to close part of its site for repairs. As a result, the park loses a significant amount of booking revenue during peak holiday season. The Business Interruption cover steps in to pay for the loss of trading profit during the downtime, as well as additional costs, such as temporary facilities for guests. This ensures the business stays financially stable while repairs are underway.

Group 2700

Theft

During the off-season, thieves break into a locked storage shed at the caravan park and steal valuable maintenance equipment, including ride-on mowers, power tools, and pool cleaning gear. They also damage doors and fencing while gaining entry. The Theft Insurance cover helps pay for the replacement of the stolen items and repairs to the damaged property, ensuring the park can quickly restore operations without a major financial hit.

Group 2701

Money

After a busy long weekend, a staff member is transporting the weekend’s takings from the park’s reception to the bank when the cash bag is stolen from their vehicle. The Money cover under the caravan park’s insurance policy reimburses the loss of physical cash, helping to recover the financial setback.

Group 2704

Public Or Products Liability

A guest slips on a wet floor in the park’s shared bathroom facilities and suffers an injury, requiring medical treatment. The guest makes a claim against the caravan park, alleging negligence for not displaying adequate warning signs. The Public Liability cover responds by covering the legal defence costs and any compensation awarded to the injured guest.

Business Insurance

Glass

A group of guests accidentally damages the large front windows of the park’s café and reception area during a windy afternoon when outdoor furniture is blown into the glass. The Glass Insurance cover pays for the replacement of the broken glass panels and emergency boarding-up costs to secure the building until repairs are completed.

Group 2715

Machinery breakdown

In the middle of summer, the caravan park’s commercial air-conditioning system in the main amenities block suddenly fails due to a mechanical fault. The Machinery Breakdown cover steps in to pay for the repair or replacement of the damaged equipment, as well as any associated costs like urgent technician call-outs.

Group 2712

Electronic Equipment Breakdown

A power fluctuation causes the park’s EFTPOS terminals and computer servers to burn out, leaving the office unable to process bookings or payments. The Electronic Equipment cover pays for the replacement of the burnt-out components and helps get the systems back online quickly, minimising disruption to guests and staff.

What is typically not covered?

An experienced insurance broker plays a crucial role in making sure you’re never caught off guard by exclusions or gaps in cover. At Morgan Insurance Brokers, we take the time to clearly explain what is and isn’t covered under your caravan park policy in plain, easy-to-understand language. We review your operations in detail, identify potential risks that might fall outside standard cover, and then work with our panel of insurers to tailor your policy accordingly. This ensures that you’re not just getting a generic package, but a comprehensive solution that genuinely protects your business, your guests, and your peace of mind.

Group 2779

Deliberate acts

Group 2779

Product recall costs

Group 2779

Injuries to your employees (Workers Compensation)

Group 2779

Wear & Tear and Old Age

Group 2779

Flood - Available on request

Group 2779

Aircraft products

Group 2779

Asbestos Liability

Group 2779

Pollution Liability

Group 2779

Contractual Liability

Group 2779

Professional advice

Why do you need Caravan Park Insurance?

Owning or managing a caravan park or holiday park comes with unique risks that can quickly impact your business and reputation. From storm or fire damage to guest injuries, theft, or loss of income, even one unexpected event can cause major financial strain. That’s why having the right Caravan Park Insurance is essential. This specialised cover protects your park, cabins, facilities, and equipment, as well as your liability to guests and staff. It ensures you’re safeguarded against costly claims and interruptions, helping your business stay open and profitable all year round. With tailored Caravan and Holiday Park Insurance arranged through Morgan Insurance Brokers, you can enjoy complete peace of mind knowing your business is properly protected.

Get a Quote
Group 2827
Group 2828

How Morgan Insurance Brokers can help

At Morgan Insurance Brokers, we understand that no two caravan parks are the same and neither are their insurance needs. Our role is to take the stress out of finding the right cover by doing the heavy lifting for you. We work closely with you to understand your operations, assets, and potential risks, then approach a large panel of trusted insurers to source the most competitive and comprehensive Caravan Park Insurance options available. From setting up tailored policies to managing renewals and claims, we act as your dedicated partner every step of the way. If you ever need to make a claim, we’ll handle the process on your behalf ensuring it’s fast, fair, and stress-free. With Morgan Insurance Brokers, you get more than a policy you get ongoing support and genuine expertise from brokers who know the caravan and holiday park industry inside out.

Get a Quote

FAQ's

What does caravan park insurance cover?

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.

How much is Caravan Park Insurance?

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.

Does Caravan Park Insurance Cover Public Liability Insurance?

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.