Caravan Park Insurance Guide
Caravan Park Insurance Guide — guidance and information from Ipswich Insurance Brokers, a Steadfast and CBN member broker.
What is caravan park insurance?
Caravan park insurance is a specialist business insurance program for caravan park and holiday park operators. It addresses the specific exposures of holiday accommodation — a mix of permanent and transient occupancy, public access, communal facilities, site infrastructure and the liability arising from guests.
What this cover may include
Cover availability and terms vary between insurers and depend on individual circumstances. Subject to acceptance, a policy may include:
- Commercial property — park infrastructure, amenities buildings, office and communal facilities
- Public liability — guest and visitor injury and property damage
- Business interruption — lost income following insured damage to park infrastructure
- Money
- Cabins and on-site accommodation (where owned by the operator)
Common exclusions to be aware of
The following are commonly excluded under standard policy wordings. Specific exclusions vary between insurers — always review the Product Disclosure Statement before purchasing.
- Guests’ personal property and caravans (their own insurance responsibility)
- Flood (unless specifically included — definitions matter for low-lying parks)
- Workers compensation (separate statutory product)
- Revenue loss not linked to an insured physical damage event
- Site contamination or pollution events (conditions apply)
How to arrange caravan park insurance through Ipswich Insurance Brokers
- Submit a quote request or contact us directly to discuss your requirements
- We collect relevant information and approach appropriate markets
- We compare policy terms and conditions across insurers and present options
- We arrange binding and issue documentation once you confirm instructions
As a Steadfast and CBN member broker, Ipswich Insurance Brokers has access to a broad panel of approved insurers. We act on your behalf — not on behalf of any insurer. Our remuneration is disclosed in our Financial Services Guide.
General guidance — not personal advice
The information on this page is general guidance only. It does not constitute personal advice and does not take into account your individual circumstances. Before arranging any insurance, you should consider your specific needs and read the relevant Product Disclosure Statement. Our Disclaimer applies to all content on this site.
Frequently asked questions
What is the main liability exposure for a caravan park?
Public liability — injury to guests, visitors and members of the public using park facilities. Swimming pools, amenities blocks, children’s play equipment, communal BBQ areas and footpaths are all potential sources of liability claims. The duty of care owed to park occupants is significant, and liability limits should be reviewed carefully.
Are on-site cabins covered under a caravan park policy?
Cabins owned by the park operator are typically included in the commercial property section. Cabins owned by individual occupants are their own responsibility. The distinction between park-owned and occupant-owned structures needs to be clearly established in the schedule. We clarify this during placement.
What about flood risk for low-lying caravan parks?
Many caravan parks are located near rivers or in flood-prone areas. Flood cover under commercial property policies is not universal — definitions, conditions and availability vary by insurer and location. For parks in flood-exposed areas, understanding exactly what is and is not covered is essential. We review flood definitions specifically for parks in areas with any flood history or exposure.
What to look for when comparing caravan park insurance policies
When reviewing options, the following points are worth considering. This is general guidance — the right approach depends on your specific situation.
Review the flood position carefully — many caravan parks have significant flood exposure. Confirm the distinction between park-owned structures and occupant-owned structures in the policy schedule. Check public liability limits in the context of the number of occupants and the range of facilities offered. Review business interruption cover — a park closed following storm or flood damage can sustain significant revenue loss during repairs. Confirm all park amenities, facilities and infrastructure are included in the property schedule.
For more detailed information, see our Caravan Park Insurance page.
About Ipswich Insurance Brokers
Ipswich Insurance Brokers is a Steadfast and CBN member broker operating under an Australian Financial Services Licence. We act on your behalf — not on behalf of any insurer. We compare options across a broad panel of approved insurers, arrange cover, provide documentation and support claims. We are remunerated by commission from the insurer, disclosed in our Financial Services Guide. All information on this page is general guidance only — see our Disclaimer.
Caravan parks combine residential, commercial and public access risks in a single location. The diversity of exposures — from individual cabin insurance to communal facility liability — makes placement more complex than a standard commercial property policy. We work with insurers who understand the caravan and holiday park sector. Contact us via quote request to discuss your park’s specific requirements.