Static Caravan Site Owner's Insurance

Static Caravan Site Public Liability Insurance

Protect Your Park from Injury and Property Damage Claims

Running a static caravan site involves managing a range of everyday risks—from visitor footfall and shared facilities to vehicle access and uneven ground. 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 premises.

At Quote Monkey, our Static Caravan Site Insurance includes £2 million of public liability cover as standard, with the option to increase to £5 million to meet local authority licensing conditions or contractual requirements. This cover safeguards your business from the financial impact of legal claims, compensation awards, and associated costs.

Whether your park is made up of owner-occupied static units, rental caravans, or a combination of both, our policies are tailored to how your site operates. With public liability insurance in place, you can focus on delivering a safe and welcoming environment—confident that you're protected if the unexpected happens.

What Does Static Caravan Site Public Liability Insurance Cover?

Public liability insurance for static caravan 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 payouts, and related expenses—helping you avoid unexpected financial burdens.

Common examples of claims include a guest tripping on an uneven step while entering their static caravan, a tree branch falling and damaging a holidaymaker’s parked vehicle, or a contractor slipping in a restricted access area while carrying out maintenance.

This type of insurance is essential for the safe and compliant operation of your site. In many cases, it’s a requirement set by licensing authorities, park groups, or third-party booking platforms.

Why Choose Quote Monkey for Static Caravan Site Liability Insurance

Tailored cover for static caravan site owners and operators across the UK
Instant online quotes and same-day proof of insurance
£2 million public liability cover as standard, with the option to increase to £5 million
Optional employers’ liability cover for staff, cleaners, and seasonal workers
Buildings insurance available for shower blocks, reception areas, and storage units
Transparent annual premiums with no hidden charges or interest

Who Needs Static Caravan Site Liability Insurance?

If you manage a static caravan park, holiday lodge development, or residential caravan estate, having the right public liability insurance is essential. Any time members of the public, contractors, or service providers visit your site, there’s a risk of injury or property damage—especially where communal areas, visitor traffic, or ageing infrastructure are involved.

Static caravan site liability insurance protects your business from the financial consequences of legal claims, compensation awards, and associated legal costs. Whether your site is open year-round or operates seasonally, our tailored policies help you stay compliant, protected, and stress-free.

We provide cover for a wide range of holiday park setups, including static caravan sites, lodge parks, chalet estates, and residential park home communities. Our insurance is also suitable for parks with shared amenities such as toilet and shower blocks, reception buildings, private roads, shops, clubhouses, or even hot tubs.

If a guest is injured on a step, trips on uneven ground, or experiences property damage due to poor site maintenance, you may be held liable. Our specialist cover gives you the peace of mind to operate your park confidently and professionally, knowing you’re protected.

What Does Employers’ Liability Insurance Cover?

Employers’ liability insurance protects static caravan 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 related expenses—reducing the financial impact on your business.

Claims can arise in a variety of everyday scenarios. For example, a groundskeeper might strain their back while moving heavy equipment, a cleaner could slip on a wet floor in a communal shower block, or a seasonal staff member might trip over loose cabling during site setup. Even a maintenance worker falling while repairing a caravan roof could lead to a costly legal claim.

Accidents like these can happen without warning. Employers’ liability insurance ensures your site remains protected if the unexpected occurs.

Who Needs Employers’ Liability Insurance?

If you operate a static caravan park or holiday site and employ anyone—even on a casual or seasonal basis—you’re likely legally required to have employers’ liability insurance in place. This cover is vital for protecting your business if a worker suffers an injury or illness linked to their role.

You’ll need this insurance if you employ full-time, part-time, or temporary staff, work with volunteers or contractors, or manage a holiday park, residential caravan estate, or lodge development. This applies to staff involved in cleaning, site maintenance, guest services, administration, or any other operational role.

When you arrange employers’ liability cover through Quote Monkey, we’ll issue a valid certificate for display—helping you meet UK legal requirements with ease. Policies can include up to £10 million of cover, providing complete peace of mind for you and your team.

Why Choose Quote Monkey for Employers’ Liability Insurance

At Quote Monkey, we offer FCA-regulated employers’ liability insurance designed specifically for UK caravan parks, static caravan sites, and holiday lodge developments. Whether you manage a seasonal touring site or a year-round holiday park, our cover helps protect your staff and your business from the financial consequences of workplace injury or illness claims.

Site owners choose Quote Monkey for our flexible cover options, with limits up to £10 million to suit different staffing levels and risk exposures. Our policies are fully compliant with UK law and provide protection for employees, volunteers, and contractors alike. Employers’ liability insurance can also be combined with public liability and buildings cover for a complete site protection package.

With over a decade of experience supporting UK holiday park operators, we understand the risks you face and the cover you need. When you arrange your policy with us, you’ll receive an official certificate for display on-site—helping you stay compliant and ready for inspections at all times.

Buildings Insurance for Static Caravan Sites, Specialist Protection for Permanent and Seasonal Structures

Static caravan parks often include a variety of permanent and non-standard buildings—from reception huts and utility blocks to communal shower facilities. At Quote Monkey, we provide tailored buildings insurance to protect these essential structures against the most common risks faced by holiday parks.

Our buildings insurance offers protection against fire, storm and flood damage, theft, and vandalism. (Please note: accidental damage is not included.)

We can provide cover for a wide range of structures. Standard construction buildings such as reception offices, toilet and shower blocks, storage buildings, and site offices are all eligible. We also cover non-standard construction including timber-built lodges, portable sanitation units, glamping-style pods used alongside caravan accommodation, and seasonal lightweight communal buildings.

Every caravan site is different, which is why our cover is designed to match the specific layout, materials, and facilities of your park. With Quote Monkey’s buildings insurance, you can recover more quickly and confidently if disaster strikes.

Why Buildings Insurance Matters for Static Caravan Site Owners

The infrastructure of your static caravan site plays a vital role in delivering a safe and enjoyable experience for guests. Facilities such as toilet blocks, shower units, reception offices, and storage buildings are essential to daily operations—and damage to any of these can lead to service disruption, reduced occupancy, and costly repairs.

With Quote Monkey’s Static Caravan Site Buildings Insurance, you’re protected against a wide range of common risks, including fire, flood, storm damage, theft, and vandalism. While accidental damage and damage caused by guests are not included, our policy is designed to safeguard against the core threats that park operators face most frequently.

This tailored cover ensures you can recover quickly, minimise downtime, and continue running your site with confidence—helping maintain guest satisfaction and protect your revenue.

Why Choose Quote Monkey for 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 static caravan parks, with cover for fire, storm, flood, theft, and vandalism—providing robust support without unnecessary extras.

With over a decade of experience insuring holiday and leisure parks across the UK, we understand the unique challenges you face. Our policies are FCA-regulated and backed by a knowledgeable, UK-based support team.

At Quote Monkey, we tailor each policy to reflect your site’s layout, structure types, and seasonal operations. Request a fast, no-obligation quote today and make sure your essential facilities are properly protected.

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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: