Getting the Right Glamping Insurance

By Julie Friar, Company Director of Friar Best Insurance Services Ltd

For arranging insurance, it is the management of risk which is all-important, and therefore recognising potential risks and taking steps to reduce the risk of “accidents” is beneficial when embarking on setting up a glamping site. This particularly applies to facilities additional to glamping accommodation provided, e.g. hot tubs, saunas, children’s play areas etc.

The basic essential insurance for sites is having Liability Insurance, and this is the base of an insurance policy. It is important that all property and features on the land are provided.

Public Liability Insurance covers claims for incidents that occur in connection with the glamping business activities. This can be personal injuries, or the loss of, or damage to property. As landowners of the site, Property Owners’ Liability also needs to be included and this should encompass all land owned if extending beyond where the glamping site is contained.

Employers’ Liability Insurance is a legal requirement if there are any employees, including any casual or voluntary help, such as WWOOFers (World Wide Opportunities on Organic Farms).

By the nature of glamping sites, and the tendency of some sites diversifying into additional site ‘activities’, it is essential for details to be provided to Insurers for agreement (or otherwise), before any such activities take place.

Additional Comprehensive Cover for Site Owners can then be included to protect the property and assets of the business, e.g. accommodation, facilities, site maintenance equipment, honesty shops and site cafes etc., and Business Interruption cover for ‘loss of income’ resulting from an otherwise insured ‘material damage’ claim, i.e. where it becomes necessary to cancel immediate bookings, or honour those until property restored.

Having the right, and full insurance cover in place, helps to protect the future of the business and longer-term aims and objectives, and if the worst should happen, have claims dealt with expediently to get businesses fully operational as soon as possible.

Learn more at friarbest.co.uk.