Leisure Site Insurance

Leisure Site Owners' Public Liability Insurance

Running a leisure site involves managing a wide range of everyday risks — from welcoming large numbers of guests and maintaining shared facilities to keeping beautifully landscaped grounds safe and accessible. Public liability insurance is essential for protecting your business if a guest, contractor, or member of the public suffers injury or property damage while on your site.

At Quote Monkey, our Leisure Site Owners Insurance includes £2 million of public liability cover as standard, with the option to increase to £5 million to meet local authority requirements or specific contract conditions. This cover shields your business from the financial impact of legal claims, compensation payouts, and related costs. Whether your site includes lodges, glamping pods, caravans, or a combination of accommodation types, our policies are tailored to suit your operations. With public liability insurance in place, you can focus on delivering a safe, enjoyable, and high-quality guest experience, confident you’re protected if the unexpected happens.

What Does Leisure Site Owners' Public Liability Insurance Cover?

Public liability insurance for leisure sites protects your business against claims if a guest, visitor, or contractor is injured or if their property is damaged while on your premises. It covers legal defence costs, compensation settlements, and related expenses, helping you avoid unexpected financial strain.

Common examples of claims include a guest tripping on a loose path slab, a tree branch falling and damaging a guest’s car, or a contractor slipping in a service area. This type of insurance is often required by local councils, partner organisations, and booking platforms to ensure your site remains safe and compliant.

Why Choose Quote Monkey for Leisure Site Public Liability Insurance

Quote Monkey provides tailored cover for leisure site owners and operators across the UK. Our policies include £2 million public liability cover as standard, with the option to increase to £5 million. Employers’ liability cover can be added to protect staff and seasonal workers, and we also offer buildings insurance for reception areas, shared facilities, and utility blocks. You benefit from instant online quotes, same-day proof of cover, and competitive annual premiums with no hidden charges or complicated terms.

Who Needs Leisure Site Owners' Public Liability Insurance

If you manage a leisure park, lodge site, or a mixed-use holiday site, public liability insurance is essential. Anytime guests, contractors, or suppliers are on your site, there is a risk of injury or property damage — particularly around communal areas, paths, and outdoor spaces.

Leisure site public liability insurance helps protect your business from the financial impact of legal claims and compensation payouts. Whether you operate year-round or seasonally, our flexible policies keep you compliant and protected.

We provide cover for various setups, including leisure lodge parks, glamping sites, mixed holiday parks with caravans and lodges, and sites with shared amenities like clubhouses and communal kitchens. If a guest trips on a step, slips on wet decking, or experiences property damage due to poor maintenance, you could be held liable. Our specialist cover gives you the confidence to operate professionally and safely.

Here are some example claims for Leisure Site Public Liability Insurance

A guest trips on a loose paving stone near a communal barbecue area and requires surgery for a broken ankle.
A tree falls during a storm and damages a guest’s parked car, resulting in a significant repair claim.

Leisure Site Owners' Employers’ Liability Insurance Cover

Employers’ liability insurance protects leisure site owners if an employee, volunteer, or contractor is injured or becomes ill as a result of their work on site. This cover helps pay for legal defence costs, compensation settlements, and associated expenses, reducing the financial burden on your business.

Claims can occur in many scenarios, such as a maintenance worker straining their back while moving supplies, a cleaner slipping on a wet floor in a communal shower block, or a seasonal groundskeeper tripping over equipment. Even a staff member falling while cleaning a roof could result in a costly legal claim. Employers’ liability insurance ensures your business stays protected if the unexpected occurs.

Who Needs Employers’ Liability Insurance

If you operate a leisure site and employ anyone — even on a casual, part-time, or seasonal basis — you are likely legally required to have employers’ liability insurance. This cover protects your business if a worker suffers an injury or illness related to their job duties.

You’ll need this insurance if you employ permanent staff, volunteers, or contractors, or if your team handles cleaning, maintenance, guest services, landscaping, or administration. When you arrange employers’ liability cover through Quote Monkey, we issue a valid certificate for display on-site, helping you meet UK legal obligations with ease. Policies can include up to £10 million of cover, giving you full protection and peace of mind.

Why Choose Quote Monkey for Leisure Site Employers’ Liability Insurance

At Quote Monkey, we offer FCA-regulated employers’ liability insurance designed specifically for UK leisure sites and holiday parks. Our policies help protect your staff and your business from the financial consequences of workplace injury or illness claims.

Leisure site owners choose Quote Monkey for our flexible cover options, with limits up to £10 million to suit different team sizes and risk profiles. Our policies are fully compliant with UK law, protect employees, volunteers, and contractors, and can be combined with public liability and buildings insurance for complete peace of mind. With over a decade of experience supporting UK leisure and holiday site operators, we understand your challenges and the comprehensive protection you need. When you arrange your policy with us, you’ll receive an official certificate for display, keeping you compliant and inspection-ready.

Here are some example claims for Leisure Site Employers’ Liability Insurance

A staff member injures their back while moving outdoor furniture and files a claim for medical costs and lost earnings.
A seasonal cleaner slips on a wet floor in a communal shower block and suffers a fractured wrist, resulting in a compensation claim.

Buildings Insurance for Leisure Sites

Leisure sites often include a variety of permanent and non-standard buildings, from reception areas and clubhouses to shower blocks and utility buildings. At Quote Monkey, we provide tailored buildings insurance to protect these essential structures against the most common risks.

Our buildings insurance covers fire, storm and flood damage, theft, and vandalism. (Please note: accidental damage and guest-caused damage are not included.) We can insure a wide range of structures, including reception buildings, communal areas, utility rooms, and site offices. We also cover non-standard constructions such as timber lodges, glamping pods, portable sanitation units, and seasonal communal spaces.

Every leisure site is different, which is why our cover is designed to match your layout, construction materials, and facilities. With Quote Monkey’s buildings insurance, you can recover quickly and continue running your site with minimal disruption if disaster strikes.

Why Building Insurance Matters for Leisure Site Owners

The infrastructure of your leisure site is crucial for providing a safe and memorable guest experience. Facilities like reception areas, clubhouses, shower blocks, and storage buildings are essential to daily operations. Damage to any of these can lead to major disruptions, reduced occupancy, and expensive repairs.

With Quote Monkey’s Leisure Site Buildings Insurance, you’re protected against a range of common risks, including fire, flood, storm damage, theft, and vandalism. While accidental damage and guest-caused damage are not included, our policy is designed to protect against the core risks that leisure site operators face most often. This tailored cover helps you recover quickly, minimise downtime, and maintain your guests' safety and satisfaction.

Why Choose Quote Monkey for Leisure Site Buildings Insurance

Quote Monkey offers flexible cover for both permanent and non-permanent buildings on your site, including standard and non-standard structures. Our protection is specifically tailored to the needs of UK leisure sites, providing comprehensive cover for fire, storm, flood, theft, and vandalism without unnecessary extras.

With more than a decade of experience insuring leisure and holiday sites across the UK, we understand the unique challenges you face. Our policies are FCA-regulated and supported by a knowledgeable UK-based team. At Quote Monkey, we tailor each policy to reflect your site’s layout, building types, and operational needs. Request a quick, no-obligation quote today and ensure your essential facilities are fully protected.

Here are some example claims for Leisure Site Buildings Insurance

A fire in a communal lounge area causes severe damage, resulting in a large claim for rebuilding and replacing contents.
A major storm damages the roof of a reception building, leading to a substantial claim for repairs and equipment replacement.

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Types of Leisure Property and Site Insurance We Offer

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