Running a caravan site is a business like any other. And no matter what the business there is always risk. Fortunately you can insure against many of these risks, giving you peace of mind and financial security.

For a caravan park with employees, employee liability insurance is compulsory by law and caravan park owners must be insured for at least £5m. The Health and Safety Executive can levy fines of up to £2500 per day if any employer does not have adequate cover in place and on display..

Now many might think that a caravan site is a low risk environment, but accidents can and will happen and it is for this reason that caravan park businesses are required to insure itself against this risk. Employee liability insurance enables caravan park owners to meet the costs of damages and legal fees if any employee is injured or made ill at work through the fault of the employer.

It is always possible for employees to injure themselves when mending, repairing or maintaining any of the fixtures, fittings or buildings on the park. They might also be at risk from consuming food and water while on the premises if due hygiene care is not practised and there have been well documented cases of illnesses like Legionnaire's Disease being caught due to poor hygienic conditions. Extreme, perhaps, but possible. And there is always the risk from the use of faulty electrical equipment.

And remember too that if staff are using vehicles owned by the caravan site 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 the NHS can even recover its costs in this event from the caravan park owner should the caravan park owner be at fault.

It is also worth considering public liability insurance to protect the business from claims from customers or indeed from any member of the public visiting the park. Unlike employer liability insurance, public liability insurance is not compulsory but it is only common sense. 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 costs of hospital treatment.

Any accident that may occur to employees might also be a danger to customers or members of the public visiting the caravan site so it makes sense for the park to be covered against these risks, too. And it is also worth bearing in mind that caravan park customers have significant levels of property as well, as in some instances income streams run the risk of being damaged should disaster strike. In this sense the risks for park customers can be higher.

Running a caravan park is not a dangerous business but it is not without some risk.

And a final piece of advice for anyone running a caravan park or thinking of doing so - go to a broker. A broker will assess all likely risks and will make sure that these risks are insured against at a price that is competitive.


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RV insurance was created as a special type of coverage tailored to owners of motor homes, trailers, and truck campers. RV insurance offers you monetary assistance when something unexpected brings your trip to a screeching halt.

With the right insurance policy in place, owners can relax and take in the scenery if a mishap occurs, rather than worry about money or repairs.

RV Insurance vs. Car Insurance

While traditional auto insurance only protects drivers and their vehicles, recreational vehicle insurance is more like a hybrid of auto and home insurance.

Because recreational vehicles are often lived in for certain periods of time, they are considered a home of some sorts by insurance companies. This means they are considered to be vulnerable to thieves, damage, and run the risk of personal injury as well, just like stationary houses.

How are these risks covered by RV insurance?

* When personal items such as TVs, video games, jewelry, and clothing are stolen, come up missing, or damaged, the insurance company reimburses the owner so that they can be replaced.
* Specific parts that are unique to recreational vehicles such as awnings and appliances are covered.
* If you are in an accident or your RV is damaged while traveling, the insurance company may cover lodging and transportation expenses.
* If a third party is injured by the RV and sues the owner, RV insurance also pays for your legal representation.

Without insurance coverage that is tailored to recreational vehicles, bills for accidents or injuries could really lighten your wallet significantly. Owners of RVs should take this into serious account before adding an RV to their regular auto insurance policy.



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Motorcycle owners often extol the virtues of riding their vehicles on the open roads, especially given the freedom and maneuverability that most motorcycles provide. Due to their small size and relatively lightweight frame, people who enjoy riding motorcycles can often enjoy a riding experience that other vehicles cannot provide.

Regardless of whether you operate a motorcycle, car, truck, or other vehicle, it is essential to establish adequate insurance coverage for your vehicle. Insurance policies help cover damage caused in a collision, protect in the event of theft or vandalism, and provide coverage for injury to yourself and others.

Before taking to the streets, roads, or highways, motorcycle riders should make sure that they are covered in the event of an accident. Motorcyclists often make sure that they establish protection against collision, theft, vandalism, and damage caused by uninsured or under-insured drivers. When it comes to motorcycle coverage, it is important to make sure your vehicle is protected from theft, due to the relative ease of unlawfully taking such vehicles.

By protecting yourself against uninsured motorists, you can be sure that your vehicle will be repaired in the event of an accident. Persons who do not have adequate protection may find that they have to pay for collision repair out-of-pocket. Accidents with drivers who do not have enough insurance coverage may be just as costly as ones with completely uninsured drivers. If a person does not have enough protection to pay for the damage he or she causes to your physical well-being or your property, you may be forced to pay for repairs on your own.

Fortunately, many companies offer discounts to motorcycle owners to help them with the costs of insuring their vehicle. Riders may be able to get discounts through motorcycle riders' associations, or may be eligible for discounts following the completion of a drivers' safety course. Common methods for lowing insurance payments include insuring multiple vehicles on the same insurance policy, which usually results in lower overall cost to the policyholder.

It is important for motorcycle owners to establish insurance coverage before they attempt to ride their vehicle.



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Finding motorcycle insurance can be relatively easy. Motorcycle insurance, as with car insurance, is important and any individual who drives a bike should get one. It comes with many types of coverage that vary in rates depending on the type and size of motorcycle, among other considerations. There are several laws that govern this type of insurance, and it varies depending on what state you are in. No matter the minimum required coverage, or the rates that go along with it, it is imperative for any biker to find motorcycle insurance and purchase it.

Some people may be put off by the cost of such a policy; however, there are many affordable options available. There are several sources of cheap motorcycle insurance, what one needs to do is find them. Some apparent sources for insurance are the insurance agents and companies in your area, and of course, the internet.

Probably the most convenient source of motorcycle insurance is the internet. There are several websites that offer quotes for free and other websites allow you to purchase insurance online as well. Some of these websites only provide quotes from a single insurance company. You can limit yourself to looking for affordable rates from one company if you are already a client of that said company and find yourself comfortable and pleased with the service and coverage they provide. Some websites, on the other hand, can give you several estimates for multiple policies from varying insurance companies. This type of source can provide a wider range of options and also has the higher possibility of getting a more affordable estimate.

Aside from the websites, you can consult an insurance agent or insurance company in your locality. You can use your online resources to find an agent, or do it the old fashioned way - find one on the phone. You can start with agents that are listed in your local directory. If you already have an insurance company in mind, you can contact that company directly and have an agent attend to your queries. You can then get estimates from the agent and have him compute rates for a policy that provides you with the type of coverage you need but still remain within budget.

Other places where you can find ideas for motorcycle insurance is through your friends who already have an insurance policy. Ask them for any recommendations, but keep in mind that no single policy applies to everyone. You can never get a policy that is identical to the one your acquaintance has. So, simply ask for any recommendations and start from there.

It is important to compare insurance quotes before getting signed up with an insurance policy. When you compare insurance quotes you can rest assured you are saving both time and money because you are guaranteed to get the lowest insurance quote.

Given the current recession it is important to make sure to prioritize your money and compare insurance quotes online. A good place to state would be an online website that actually allows you to compare insurance quotes online for free.



Article Source: http://EzineArticles.com/?expert=Matthew_Couch