Caravan Park Insurance
Specialist Caravan Park Insurance Broker
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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.
Your Dedicated Caravan Park Insurance Broker
Kari Massey
Senior Insurance Broker — Business, Liability & Caravan Park Insurance
Kari Massey is an insurance broker specialising in caravan park insurance, bringing dedicated expertise to one of Australia’s most unique and often underinsured sectors. Kari works closely with caravan park owners and operators to identify their specific risks from public liability and property damage through to loss of income and guest-related incidents, and structures insurance programs that provide genuine, comprehensive protection.
With a thorough understanding of the operational complexities facing caravan parks, holiday parks, and mixed-use accommodation businesses, Kari is well placed to navigate the insurance market on her clients’ behalf. She works with a broad panel of Australian insurers to secure competitive, tailored cover that reflects the real risks of running a caravan park.
Kari is committed to building long-term relationships with her clients, providing clear advice, proactive policy reviews, and hands-on claims support when it matters most.
Client Success: North Queensland Caravan Park
When a caravan park operator up in North Queensland came to me, they’d pretty much reached the end of their tether. Their renewal had come in a lot higher than the year before and their insurers just shrugged and said ‘Sorry, that’s just the way it is” – their reasoning being that cyclones & storm surges in the region made it far too tough to keep the premium the same.
I don’t blame them for being frustrated – North Queensland is a hard place to insure a business and I know plenty of operators up there will might accept it because they think there’s no other option. But I wanted to take a good hard look at things before we accepted the first offer.
When I looked through their existing policy, I could see they were paying for all this cover that just didn’t relate to their business anymore . Even more worrying, though, was the massive gaps in their cover – like loss of income. Those were the things that could have really crippled them if something went wrong during peak season.
I took their risk profile and shopped it around to a large panel of insurers who’ve actually got great experience with regional & coastal accommodation. What came back was a brand new program that knocked about 15% off their premium – and actually broadened their cover for property damage, business interruption & public liability.
For them, it was a huge weight off their shoulders heading into cyclone season knowing they’re properly covered – the real areas that matter when disaster strikes.
If you’re a caravan park operator in one of those tough areas and you’ve been told there’s nothing that can be done about your premium, I’d love to have a chat with you.
Kari Massey
EXPERIENCE
8+ years in insurance broking
LOCATION
NSW
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 damage can be covered under a caravan park insurance policy, but it’s not automatic and the terms vary significantly depending on your location and insurer. For parks in northern Queensland and other high-risk coastal regions, cover may come with higher excesses, sub-limits, or specific conditions that need to be carefully reviewed. In some cases, certain insurers will exclude cyclone cover altogether in these areas.
That’s where having a specialist broker makes a real difference. We work with insurers who understand the regional risk landscape and can structure a policy that includes meaningful cyclone protection, not just a inclusion buried in the fine print. You can read more in our guide to understanding cyclone insurance cover for caravan parks across Northern Australia.
