Peak season, off season, covered.
Public liability that reflects guests on site without staff supervision, cover for static units and communal facilities, and a broker who’ll place this properly rather than force it into a generic hotel template.
Holiday & self-catering accommodation insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Legal expenses
Money & personal accident
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The property, your guests, your liability and the bookings you would lose, priced in one go rather than piece by piece.
Know your cover
What is holiday & self-catering insurance?
This category covers a genuinely wide range of businesses: holiday parks, caravan and camping sites, self-catering cottages and marinas, and each carries its own risk profile. Cover is built around your specific site, not a single generic accommodation product.
Protects your guests
A guest injured on site, often without staff directly supervising them. That is what public liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, even seasonally.
Protects the site and its facilities
Static units, communal buildings, and shared facilities like shower blocks or marina pontoons.
Who it’s for
Whatever kind of site you run.
✓
Holiday parks
Static caravan and lodge parks with multiple units.
✓
Caravan & camping sites
Touring pitches, campsites and glamping sites.
✓
Self-catering cottages
Individual holiday lets, whether one property or several.
✓
Marinas & moorings
Water-based accommodation and berthing facilities.
✓
Lodge & log cabin sites
Permanent structures let out on a holiday basis.
✓
Glamping sites
Yurts, pods and other alternative accommodation formats.
What we cover
Cover built around your site.
We get to know how your site operates first, then build the policy around it.
Public liability
A guest injured on site. That’s what this cover is for.
Employers’ liability
Required by law the moment you take on staff, including seasonal workers.
Premises & contents
Static units, communal buildings and the facilities guests rely on.
Business interruption
Booking revenue while you’re closed for repair, not just the cost of the repair itself.
Legal expenses
Guest disputes and the cost of defending a claim.
Money & personal accident
Cash taken on site, and cover for you and your staff.
Equipment
Maintenance and grounds equipment used to run the site.
Cyber & data
Card data, the booking and till systems, and the takings lost when they go down in peak trade.
Who this cover tends to suit.
This cover is generally bought by holiday and self-catering accommodation businesses. It brings together public liability, employers’ liability (where staff are used) and cover for the site and its facilities. It won’t suit every business. If your risk profile is different, tell us and we’ll pick it up when we speak.
Worth knowing
What to expect when you get in touch.
Static or touring?
Each type is treated a little differently.
Owner-occupied or let?
Living on site changes how cover is structured.
Shared facilities
Shower blocks often need declaring separately.
Water-based sites
Marinas carry their own risk considerations.
Every site has its own risks.
A static caravan park and a marina don’t carry the same risk, so we ask different questions for each.
Holiday parks
Static caravan sites
Touring sites
Camping sites
Glamping sites
Self-catering cottages
Holiday lets
Lodge parks
Holiday parks
Static caravan sites
Touring sites
Camping sites
Glamping sites
Self-catering cottages
Holiday lets
Lodge parks
Log cabin sites
Marinas
Moorings
Yurts & pods
Shepherd’s huts
Treehouse stays
Farm stays
Cabin retreats
Log cabin sites
Marinas
Moorings
Yurts & pods
Shepherd’s huts
Treehouse stays
Farm stays
Cabin retreats
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Unsupervised guest access, before we quote
Seasonal patterns, shared facilities, unsupervised guest access. We know what matters here and what doesn’t.
02
Cover that reflects your site
A marina and a caravan park carry different risk. We build the policy around your actual site, not a generic accommodation template.
03
Staff cover that holds up
Seasonal and part-time staff trip up a lot of policies. We set employers’ liability up properly, whatever your staffing pattern.
04
We present the risk right
Site type, facilities, occupancy pattern. How it’s presented to insurers changes what you pay. We know how to frame it.
You talk to a person. The machines do the typing.
Free review of your holiday & self-catering cover and costs.
Told your site’s too unusual to place easily? Not for us. Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
We go through the policy you have now, so you can see what it does and doesn’t cover against unsupervised guest access, shared facilities and the site type you actually run.
We point out the terms that catch holiday and self-catering sites out most often, how shared facilities like shower blocks are declared among them, so you can check yours.
We approach insurers on our panel who write accommodation, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Holiday & self-catering questions, answered straight.
What insurance does a holiday park or self-catering site need?
Are shared facilities like shower blocks covered?
I run a marina. Is that different to a holiday park?
What difference does living on site make?
Is this a specialist product, or a fit into something else?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.