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Campsite Owner's Liability Insurance

Get a Campsite Owners Insurance Quote Campsite Owners Insurance FAQs

Campsite Owners’ Liability Insurance is designed to protect individuals, businesses, and landowners who operate permanent or seasonal campsites and touring camping parks across the UK. Running a campsite brings responsibility for the safety of guests, visitors, and third parties, and liability claims can arise even where reasonable care has been taken.

This specialist public liability insurance provides financial protection if a camper, visitor, or member of the public is injured or their property is damaged while on your site. Typical risks can include trips and slips on uneven ground, injuries caused by guy ropes or tent pegs, accidents near access roads or communal areas, or damage caused by site infrastructure. Legal defence costs, compensation awards, and settlement payments are covered, helping protect you from potentially significant financial loss.

Public liability cover of £2 million is included as standard, with higher limits available where required by councils, landowners, or licensing authorities. The policy can cover campsites operating on farmland, private land, estates, woodland clearings, amenity land, or designated camping fields. Unoccupied buildings and structures on the site, such as toilet blocks, shower facilities, storage sheds, shelters, or reception cabins, are covered for liability purposes only. Employers’ liability is available where staff or volunteers are involved in managing or maintaining the campsite.

Policies can be issued in individual names, company names, trusts, or management companies, and multiple named insureds can be included where ownership is shared. Unlimited interested parties can also be noted on the policy where required. With instant online quotes, same-day policy documents, and clear, straightforward cover, Campsite Owners’ Liability Insurance from Quote Monkey provides reassurance that your campsite is properly protected.

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Campsite Public Liability Insurance

Protect Your Campsite Against Third-Party Injury and Damage Claims

Running a campsite comes with unique risks—uneven terrain, shared facilities, and a constant flow of visitors. Public liability insurance is vital for protecting your business if a guest or member of the public is injured, or their property is damaged, due to the condition or operation of your site.

Quote Monkey’s Campsite Owners Insurance includes £2 million public liability cover as standard, with the option to increase to £5 million for larger sites or contracts requiring a higher level of protection. This cover applies to touring caravan parks, seasonal or year-round campsites, and mixed-use leisure sites with tents, pods, or pitches.

It ensures you're protected from costly legal fees and compensation claims, helping you operate with peace of mind and compliance.

Scenic campsite with guests walking along a gravel path, illustrating public liability coverage

What Does Campsite Public Liability Insurance Cover?

Campsite public liability insurance protects you against legal costs and compensation if a third party is injured or their property is damaged on your site. This cover includes legal defence, settlements, and associated expenses—helping you avoid significant financial loss.

Typical claim examples include:

A guest slips on a muddy or uneven path and suffers an injury
A falling branch from a tree damages a camper’s vehicle
A visiting contractor trips over a cable and requires medical attention
A guest is injured due to a defect in a communal shower or toilet block

Public liability insurance gives campsite owners peace of mind and may be required by licensing authorities or local councils.

Why Choose Quote Monkey for Campsite Liability Insurance

Policies tailored for UK campsite and leisure park operators
Instant online quotes and same-day proof of cover
Public liability cover starting at £2 million, with £5 million limits available
Optional employers’ liability cover for staff or seasonal workers
Buildings cover available for toilet blocks, shower facilities, reception areas, and glamping structures
Annual payment with no hidden charges or finance fees

Campsite with tents and touring caravans set in a green rural location, showing year-round site usage

Who Needs Site Liability Insurance?

Site liability insurance is essential for anyone operating a leisure, holiday, or residential site where members of the public or contractors are regularly present. Whether your site is open year-round or operates seasonally, having the right cover helps protect against legal claims for injury or property damage.

We provide tailored public liability insurance for:

Residential park home estates
Static caravan parks and holiday lodge sites
Chalet developments and retirement parks
Touring caravan and camping sites
Glamping sites, eco retreats, and pop-up holiday venues

If someone slips, trips, or is injured on your land—or if property is damaged due to your site’s layout or facilities—you could face legal action. Our policies are designed to reduce that risk and give you peace of mind.

Employers’ Liability Insurance for Campsite Operators

Protecting Your Team and Meeting Legal Requirements

If you hire staff—whether full-time, part-time, seasonal, or even unpaid volunteers—you are legally required to carry employers’ liability insurance. This essential protection covers compensation claims if an employee is injured or becomes ill due to their work on your site.

At Quote Monkey, employers’ liability insurance is available as an add-on to your site liability policy. We offer cover up to £10 million to meet regulatory obligations and protect you from the potentially high cost of legal claims, medical bills, or compensation payouts.

Campfire in a fire pit surrounded by guests at a campsite, showing risk-managed fire safety setup

What Does Employers’ Liability Insurance Cover?

Employers’ liability insurance protects you if an employee, volunteer, or temporary worker is injured or becomes ill as a result of their duties on site. It covers the cost of legal defence, compensation payouts, and associated expenses in the event of a claim.

Common examples include:

A groundskeeper injures their back while moving heavy equipment
A cleaner slips on a wet surface in the toilet or shower block
A volunteer trips over cables while assisting during an event
A maintenance worker falls from height while repairing signage or lighting

Without this cover, even a single accident could result in a costly legal claim that impacts your business.

Who Needs Employers’ Liability Insurance?

Employers’ liability insurance is a legal requirement for most UK businesses that employ anyone—whether paid or unpaid. If you run a campsite, park, or leisure venue and rely on staff, this cover is essential.

You need employers’ liability cover if you:

Hire full-time, part-time, or casual staff
Use seasonal workers, contractors, or volunteers
Operate a holiday park, residential caravan site, camping ground, or glamping venue
Have staff who carry out tasks such as maintenance, cleaning, guest services, or reception duties

At Quote Monkey, we can include up to £10 million of employers’ liability cover within your site insurance policy—giving you complete protection and legal compliance.

Safari tents and outdoor fire pit at a UK campsite with Quote Monkey cover

Why Choose Quote Monkey for Employers’ Liability Insurance?

Quote Monkey provides reliable, legally compliant employers’ liability insurance for UK leisure site operators. Whether you run a campsite, holiday park, glamping venue or chalet development, we help ensure your staff and business are protected from workplace injury claims.

What sets us apart?

Flexible cover limits up to £10 million
Meets UK legal requirements for employee protection
Available alongside public liability and buildings cover
Suitable for campsites, caravan parks, glamping venues, and lodge sites
Trusted by site operators across the UK since 2011

Buildings Insurance for Campsites

Specialist Protection for Permanent and Temporary Site Buildings

We offer specialist buildings insurance designed for the structures found on leisure and holiday sites. Whether you manage a campsite with permanent brick buildings or a glamping venue with timber lodges and canvas tents, we can provide tailored protection—excluding accidental damage.

Our cover protects against common risks such as fire, flood, theft, storm damage, and vandalism.

Examples of Buildings We Can Insure

Standard Construction
Reception offices
Toilet and shower blocks
Site management offices
Storage sheds and utility buildings

Non-Standard Construction
Glamping tents (e.g. safari tents, yurts, bell tents)
Portable toilet units
Timber-built lodges or cabins
Seasonal or lightweight structures

Campsite with a flowing stream, grassy pitches, and guests walking, reflecting site insurance needs

Why Buildings Insurance Is Essential for Campsite and Leisure Site Owners

Buildings play a vital role in the daily operations of your leisure site. Whether it’s a toilet block, reception office, or glamping pod, damage to these structures can cause major disruption and lead to expensive repair costs. With buildings insurance from Quote Monkey, you get protection against common risks such as fire, flood, storm damage, vandalism, and theft—helping you recover quickly and minimise downtime.

Why Choose Quote Monkey for Campsite Owners' Buildings Cover?

Flexible cover for permanent and non-permanent buildings
Tailored to parks, campsites, glamping venues, and mixed-use sites
Over a decade of experience in leisure and holiday site insurance
FCA-regulated with a helpful UK-based team

Every site is different. That’s why our buildings insurance is designed to reflect your unique layout, structure types, and usage. Contact us today for a fast, no-obligation quote tailored to your property.

Wide-angle view of a UK campsite at sunset with tents, campervans, and guests relaxing, symbolising reliable insurance protection

Get a Campsite Owners Insurance Quote Campsite Owners Insurance FAQs

Types of Leisure Property and Site Insurance We Offer

Explore our specialist insurance products for holiday homes, caravans, and site owners across the UK:

Campsite Owners Insurance
quotemonkey.co.uk/business/campsite-owners-insurance

Glamping Site Owners Insurance
quotemonkey.co.uk/business/glamping-site-owners-insurance

Holiday Caravan Site Owners Insurance
quotemonkey.co.uk/business/holiday-caravan-site-owners-insurance

Static Caravan Site Owners Liability Insurance
quotemonkey.co.uk/business/static-caravan-site-owners-liability-insurance

Touring Caravan Park Owners Insurance
quotemonkey.co.uk/business/touring-caravan-park-owners-insurance

Leisure Lodge Site Owners Insurance
quotemonkey.co.uk/business/leisure-lodge-site-owners-insurance

Park Home Site Owners Insurance
quotemonkey.co.uk/business/park-home-site-owners-insurance

Leisure Site Owners Insurance
quotemonkey.co.uk/business/leisure-site-owners-insurance

Pop-Up Campsite Owners Liability Insurance
quotemonkey.co.uk/business/pop-up-campsite-owners-liability-insurance

Frequently Asked Questions – Campsite Owners' Liability Insurance

Site owners' liability insurance protects you if someone is injured or their property is damaged due to your site's condition or operations. It provides financial protection for legal fees, compensation, and claims that may arise from public use of your premises.
Public liability insurance typically covers third-party injury or property damage occurring on your site. Examples include a visitor tripping on uneven ground or a branch from a tree damaging a parked car. Our policies include up to £2 million cover as standard, with options to increase to £5 million.
Typical public liability claims involve injury or damage caused by conditions on your site. For example, a visitor may slip on an unmaintained pathway and suffer an injury, or a guest's car could be damaged by falling debris from an unstable tree. Our policy helps cover the legal and compensation costs in these scenarios.
Employers' liability claims often involve workplace accidents or injuries. For example, a groundskeeper could strain their back while lifting equipment, or a cleaner might slip on a wet floor in a shower block. Employers' liability cover helps with legal costs and compensation if an employee is injured during the course of their work.
Yes. If you employ staff, even part-time or seasonal workers, you may be legally required to hold employers' liability insurance. We can include this cover to protect against claims from employees injured while working on site. If you take out employers' liability cover, we will provide a certificate to display, as required by law.
We cover a wide range of leisure and residential sites across the UK, including park home estates, holiday lodge parks, static caravan sites, touring campsites, and glamping venues.
Yes. We specialise in site liability insurance for residential park home estates, covering public liability, optional employers' liability, and site infrastructure. Cover can extend to buildings such as reception offices and communal areas.
Absolutely. We can cover a wide range of leisure sites including holiday parks, glamping venues, touring campsites, and mixed-use developments. Cover can include liability insurance as well as buildings such as shower blocks and non-standard units.
Yes. We can insure both standard construction buildings such as reception offices, toilet blocks, and storage units, and non-standard structures including safari tents, yurts, and portable toilets.
Yes. We offer buildings insurance for permanent and non-permanent site structures including toilet blocks, shower facilities, office buildings, and non-standard units such as glamping tents or portable toilets. This cover protects against damage caused by fire, storm, flood, vandalism, or theft.
Common claims under buildings insurance include fire damage to toilet blocks or offices, storm damage to roofs or glamping units, flooding of communal areas, and vandalism of site facilities. Our policies help cover repair or replacement costs for these structures.
Yes. We can provide cover for sites that have public rights of way or footpaths crossing through them. This is a common feature in many rural or countryside-based parks, and we ensure liability cover reflects this exposure.
Yes. We can offer cover for sites that include natural water features such as rivers, streams, or ponds. Our policies are tailored to reflect these additional exposures and ensure your site remains protected against associated risks.
Yes. We can provide cover for sites that include hot tubs or spa facilities. These features are considered during underwriting to ensure appropriate liability protection is in place for guest and visitor safety.
Yes. We can cover sites that have on-site shops, cafés, or other retail units as part of the wider park or campsite operation. These can be included under your liability and buildings cover where applicable.
Yes. We can provide cover for sites that include licensed bars or clubhouses. These can be incorporated into your liability insurance, subject to appropriate risk management and licensing requirements.
Yes. We can provide liability cover for sites that allow fires, provided they are contained in designated fire pits or safe fire bowls. Open fires or unsupervised fire risks may be subject to additional underwriting review.
Instantly. Once you’ve arranged cover and completed payment, we’ll email your certificate and full documentation—often accepted as proof of cover by site regulators and councils.
Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority (FCA number 563348). We’ve been helping UK customers with specialist insurance since 2011.
No. We only offer annual payment terms. All premiums must be paid in full when taking out the policy. This allows us to keep our pricing competitive with no hidden fees or interest charges.