If you own a caravan park, then you will no doubt know the importance of having your business probably insured with the most suitable caravan park insurance.
The risks to your business are potentially huge and something like a major flood - which could cause your site to become water logged for a period of time and maybe unusable, thereby causing you a loss of revenue - could see your business finances suffer tremendously.
And it's not just Mother Nature that could cause problems - you also potentially face liability claims too.
Imagine that a tenant fell over a stray box in the site's shop, injuring themselves badly.
They may potentially be able to sue you for compensation for loss of earnings or for pain experienced.
Having an insurance for caravan parks policy that includes public liability insurance may help you with financial costs in circumstances like this.
Similarly, if one of your employees is cleaning on the site and hurts themselves, or contracts an illness as a direct result of their employment again, they may be able to make a claim against you.
An employers' liability element within your insurance policy may typically help should something like this happen.
In most cases, you also have a legal obligation to have some form of employers' liability insurance in place if you have employees (though there are some exceptions).
Failure to do so could see you being fined.
Certainly, running a caravan park will keep you busy enough without the additional worries about being sued or something happening to your site that causes financial losses.
That is why having caravan park insurance in place may give you the peace of mind that you are properly protected against the unexpected.
  What is covered? While policy features and benefits can vary among providers - meaning it is very important not to make assumptions about any cover you purchase, you should always fully check what the insurance entails - a typical caravan park insurance policy may or may not include some or all of the following elements of protection:

• legal cover;
• buildings cover;
• sales stock;
• business interruption;
• loss of rent;
• revenue loss;
• contents cover;
• public liability;
• employers' liability;
• directors' and officers' liability.
  

This list is by no means exhaustive but does give you an idea as to some of the perils that may be covered by a typical policy.
It highlights what a wide range of protection is potentially available.
  Getting the right deal   Key points to remember when looking for caravan park insurance include:

• shopping around for cover and not just accepting the first quote you get.
  Until you have found a few quotes, you cannot tell whether you are getting a good deal or not;
• compare policies on a like for like basis;
• check the small print for things like exclusions and policy excesses so you know exactly what you are getting with your caravan park insurance policy.