| Running a caravan site is a business like any other. | | | | accident resulting in injury or worse, the employer |
| And no matter what the business there is always | | | | may be liable for the cost of any damages if fault is |
| risk. Fortunately you can insure against many of | | | | proven. And the NHS can even recover its costs in |
| these risks, giving you peace of mind and financial | | | | this event from the caravan park owner should the |
| security. | | | | caravan park owner be at fault. |
| For a caravan park with employees, employee liability | | | | It is also worth considering public liability insurance to |
| insurance is compulsory by law and caravan park | | | | protect the business from claims from customers or |
| owners must be insured for at least £5m. The | | | | indeed from any member of the public visiting the |
| Health and Safety Executive can levy fines of up to | | | | park. Unlike employer liability insurance, public liability |
| £2500 per day if any employer does not have | | | | insurance is not compulsory but it is only common |
| adequate cover in place and on display.. | | | | sense. Public liability insurance covers any awards of |
| Now many might think that a caravan site is a low | | | | damages given to a customer or member of the |
| risk environment, but accidents can and will happen | | | | public because of an injury or damage to their |
| and it is for this reason that caravan park businesses | | | | property caused by any employee of the business, |
| are required to insure itself against this risk. Employee | | | | including legal fees and costs of hospital treatment. |
| liability insurance enables caravan park owners to | | | | Any accident that may occur to employees might |
| meet the costs of damages and legal fees if any | | | | also be a danger to customers or members of the |
| employee is injured or made ill at work through the | | | | public visiting the caravan site so it makes sense for |
| fault of the employer. | | | | the park to be covered against these risks, too. And |
| It is always possible for employees to injure | | | | it is also worth bearing in mind that caravan park |
| themselves when mending, repairing or maintaining | | | | customers have significant levels of property as well, |
| any of the fixtures, fittings or buildings on the park. | | | | as in some instances income streams run the risk of |
| They might also be at risk from consuming food and | | | | being damaged should disaster strike. In this sense |
| water while on the premises if due hygiene care is | | | | the risks for park customers can be higher. |
| not practised and there have been well documented | | | | Running a caravan park is not a dangerous business |
| cases of illnesses like Legionnaire's Disease being | | | | but it is not without some risk. |
| caught due to poor hygienic conditions. Extreme, | | | | And a final piece of advice for anyone running a |
| perhaps, but possible. And there is always the risk | | | | caravan park or thinking of doing so - go to a broker. |
| from the use of faulty electrical equipment. | | | | A broker will assess all likely risks and will make sure |
| And remember too that if staff are using vehicles | | | | that these risks are insured against at a price that is |
| owned by the caravan site and are involved in an | | | | competitive. |