It Pays To Be Crystal Clear On Glamping
As more and more parks take the plunge into the ever-growing glamping market, there’s more to it than meets the eye in terms of having the right insurance policy.
“From an insurance perspective, glamping raises a few questions,” says Peter Heffer, director of holiday and residential parks at Lorica Insurance Brokers.
“Firstly, it is important to check whether a policy provides cover for property in the open. This is a common exclusion particularly for storm, flood and other weather related perils.
“Secondly, park owners should be aware of how the policy will operate in the event of damage to a tented structure. Will the insurers insist upon repairing a tear leaving a potentially unsightly blemish in the quality of the customer experience or will they provide a replacement?”
Peter also advises park owners to think carefully about other glamping accessories that could potentially affect the insurance policy. Glamping tents with cooking facilities, for example, could increase the likelihood of fire and insurers should be made aware – otherwise they could use this as a way to avoid a claim settlement. Likewise all portable electrical devices should be considered and routinely PAT tested.
“The key message really is that you need to make your insurer aware of what you are doing and that they must fully understand the exposure,” says Peter. “Once again, working with a specialist insurance broker really does add value.”
Talk to the Lorica team today for advice on glamping insurance policies that are tailored to suit your needs.
Lorica Insurance Brokers
Tel. +44 (0)7827 895671