Caravan Park Insurance
Holiday parks are meant to be fun places to work for and to visit on holiday but remember that, like any business, holiday park insurance is needed to cover risk to staff and customers. Owners of holiday parks need to be alert to these risks and to insure against them.
Holiday park owners employing staff to make sure customers have an enjoyable time must, by law, have employee liability cover of at least £5m. Failure to have this insurance in place is a criminal offence usually punishable by heavy fines. And that is no fun.
Holiday parks are all about having a good time, but come with many hidden and not so hidden risks for staff working there. Accidents will happen and should negligence be proven the business can find itself being sued for damages which can result in hefty legal, medical and damages costs. No laughing matter. Employee liability insurance helps holiday park proprietors to meet these costs, should an employee be injured or made ill at work through the fault of the employer or the business.
It is impossible to generalise about the risks involved as it is highly dependent on the facilities and premises of the holiday park. Many holiday parks operate heavy machinery and there are always fixtures, fittings and premises requiring to be maintained or repaired. These always have the potential for accidents. Even the failure to maintain these can result in injury and the risk of damages. For example, the use of standard electrical equipment can cause accidents and claims for damages.
Consider too the risks inherent in any holiday park business which serves food and drink to employees and customers. Failure to follow proper hygiene processes may result in illness and in this event employee liability insurance will provide protection against employee claims.
And remember too that if staff are using vehicles owned by the caravan park and are involved in an accident resulting in injury or worse, the employer may be liable for the cost of any damages if fault is proven. And in this event even the NHS can recover their costs.
Even moving furniture, using step ladders or even poor use of computer equipment in these litigious days can result in claims from employees, if injured.
And all these risks might also result in a claim from customers of the holiday park should they too be injured or made ill. In this event any sensible holiday park owner will insure against these risks through a public liability policy. This is not compulsory but if a holiday park owner accepts that there are risks to employees then it is only common sense to protect the business from similar claims from customers.
Public liability insurance covers any awards of damages given to a customer or member of the public because of an injury or damage to their property caused by any employee of the business, including legal fees and the cost of any hospital treatment.
Holiday parks are not dangerous places by nature, but there are risks and dangers. Having employee and public liability insurance cover in place might help owners of holiday parks relax and enjoy their business.
