What insurance do you offer?
Commercial Combined for Park Owners
This is a commercial combined policy designed specifically for the holiday and home park industry, it covers the main dangers you would expect your business to be protected against: fire, lightning, storm, flood, hail, weight of snow, escape of water, theft, malicious damage, subsidence, business interruption, public and employers’ liability cover.
There are additional benefits which are included as standard. These include:
• Damage caused by vermin
• Accidental damage to your buildings and contents
• The cost of tracing and locating leaks
• Cash cover across all your tills, automated teller machines, gaming and vending machines
• £1,000,000 corporate manslaughter cover
• Third party property damage whilst in your custody and control
• Death, injury or illness to a key person
You may find these are not included automatically in other commercial policies.
But that’s not all, if there are other areas which are important to you please contact your Regional Account Manager.
Similarly the policy has been designed to be as clear and simple as possible but, if you wish to discuss any aspects of the policy please either contact our Client Service team on 01452 801700 or your Regional Account Manager.
Park Owned / Park Stock Insurance
Your Park Owned structures – Hire Fleet, Sales Stock, Owner / Staff Accommodation – are of course at the centre of the cover but the all-important additional items such as the underground services, fixed storage chests, steps, decking, patios, hot tubs, gas bottles, skirting and associated fences and gates are also included. The additional costs of the site clearance, transport of the new structures, and siting are also included in the sums insured.
Household goods, personal possessions and clothing inside the structures are covered under the contents cover.
The policy covers the main dangers you would expect – Storm Damage, Damage to Heating / Plumbing through Frost, Theft, Fire, Flood, Escape of Water, Lightning, Explosion, Malicious Damage and Subsidence.
There are also other benefits included as standard,
• Accidental Damage to your structures or your contents.
• Damage caused by Vermin.
• Damage caused by pets
• Allows for business to be operated from your home.
• Cover for Alternative Accommodation or Loss of Rent.
• Conveyancing Cover for a new owner when you have sold a structure but ownership has not yet passed to the new owner.
Individual Private Owners Insurance
As a park owner, it’s important for you to know that all of the units on your park, even those owned by individuals, are properly insured. That’s why we have developed a policy specifically for park owners to promote to their owners.
By offering our policy, you can be sure you are recommending cover that is tailored to the needs of individuals who own park units. And because of our experience, you can be confident that you are promoting the best possible cover to your individual owners.
Your team will deal directly with the individual owners, promoting our insurance policy. Our Regional Account Manager will provide all the training and marketing support they’ll need to enable them to sell our policies.
Holiday and Home Parks insurance will give you the peace of mind that your individual owners are properly covered and at the same time allow you to earn a valuable sales management fee for each and every unit we insure.
For our clients other insurances that we are able to arrange cover for include:
Terrorism insurance provides cover for potential losses and liabilities that might occur due to terrorist activities.
Cyber insurance covers are wide ranging. Attacks may be specific, random and from an internal or external source. The insurance is to establish the cause of the attack, plug the breach, restore systems and compensates customers affected by the breach and to cover any fines levied by the Information Commissioner’s Office.
Motor insurance for commercial vehicles, agricultural vehicles, special types vehicles, private cars and motor cycles.
Commercial Legal Protection provides advice and assistance to help businesses operate more smoothly, together with insurance cover that will pay the costs for legal representation should your business find itself facing common legal disputes.
Directors & Officers Liability
Directors & Officers insurance provides protection to the directors, officers and managers for claims made against them for wrongful acts committed solely by reason of their acting as a director or officer of the company. Wrongful acts include breach of trust, breach of duty, neglect/error/omission, misstatement, libel and slander.
Directors & Officers insurance can be extended to include:
Corporate Legal liability:
Corporate Legal Liability provides cover for the company for the costs of defence and some cases damages and settlement for a range of actual and alleged wrongful acts by the company including breaches of contract, infringement of copyright or other intellectual property and corporate manslaughter prosecutions.
Employment Practices Liability:
Employment Practices Liability provides cover for the company for a the cost of defence, damages for a range of actual or alleged employment practice violations including unfair dismissal, harassment and discrimination
Engineering inspection services cover lifting equipment, pressure systems, electrical installations, local exhaust ventilation, power presses and other work equipment regulated by law.
Computer insurance provides cover for loss of, or damage to all types of computer equipment and any additional costs required to reinstate any lost data or records.
But that’s not all, as we are part of the Gallagher group we can offer you specialist insurance designed just for you and the important things in your life.
If there are other areas which are important to you please contact your Regional Account Manager
*The above is not a full list of the cover provided, the full details and exclusions can be found in the policy wording
Who is Gallagher (Holiday and Home Parks)
We are a team made up of many of the most experienced individuals who have specialised in insurance for the park industry over the last thirty years. Combined, we have in excess of 300 years’ experience, covering all areas of service and support. From our senior management team and external client facing team through to our client service and claims managers, to individual account and claims handlers.
We are proud to be part of one of the largest insurance intermediary firms in the world with over 20,000 insurance colleagues in over 30 countries. For the past few years we have been awarded the World’s Most Ethical Companies® designation for insurance broking, this award identifies companies that go beyond making statements about doing business ethically and translates those words into action.
Who are the insurers?
We are backed by Underwriters at Lloyd’s with “A” rated Lloyd’s security.
How do I know the policy wording is suitable?
Having worked closely with the park industry for the last thirty years, our Holiday and Home Park team has an unrivalled knowledge of the insurance needs of your industry. Using this knowledge we have been able to develop bespoke policy wordings that have been written specifically for holiday and residential home parks within Great Britain and Northern Ireland.