WHY WILDFIRE RISK IS THE NEW CHALLENGE FOR UK CARAVAN PARKS

For decades, UK holiday park operators have focused on water-based risks such as flooding, storm surges, and coastal erosion. Most have robust flood evacuation plans and invest in drainage and coastal defences. However, a new threat is emerging at the opposite end of the spectrum: wildfire.

The Summer of 2025 highlighted the danger. Following England’s driest Spring since 1893, the UK recorded 117 wildfires – more than double 2023’s total. One near-miss occurred at Grouse Hill Caravan Park on the edge of the North York Moors, where a wildfire spread rapidly toward the site.

Only a change in wind direction and the heroic efforts of North Yorkshire Fire and Rescue prevented a catastrophe. Caravans are particularly vulnerable. Plastic and thin cladding, close proximity of units, and LPG cylinders create a “domino effect” risk.

Many parks are surrounded by forests, heathland, or long grass, which become fuel beds during dry spells. Compass Insurance data shows fire claims peaked at over £165,000 between June 2022 and May 2023 – a six-fold increase from the previous year.

PROACTIVE RISK MANAGEMENT IS NOW ESSENTIAL:
1. Defensible space: Clear vegetation and maintain buffer zones to slow or stop fire spread.
2. LPG and safety equipment: Store gas bottles upright in shaded areas and equip units with fire blankets and extinguishers. Regularly check smoke alarms and fire equipment.
3. Infrastructure and access: Ensure roads allow fire service access, hydrants are clearly marked and tested, and evacuation routes are never blocked.
4. Evacuation planning: Establish rapid communication channels and plan for residents with mobility issues. Wildfires move fast – unlike floods, there may be no warning.
5. Resident responsibility: Preventable causes such as careless barbecue use, improper cigarette disposal, and electrical overloads remain a major risk.

Temporary bans or designated zones can help Climate change is intensifying these risks. As insurers, we see that prevention is the most effective protection. By treating wildfire risk with the same attention as flooding, parks can remain safe for visitors and residents. Proactive planning, careful site management, and clear safety communication are essential to protecting property, people, and peace of mind in an era of extreme weather.

Compass Insurance
0344 274 0276
www.compassparks.co.uk

COMPASS ANNIVERSARY GIVEAWAY!

COMPASS ANNIVERSARY GIVEAWAY!

Celebrate 50 years of Compass Insurance with our anniversary giveaway! Share your park photos or memories—from classic caravans to team moments—for a chance to win one of five luxury hampers.

Your stories are part of our journey, and we’d love to feature them. Scan the QR code to enter and view full terms.

Entries close 30th November 2026. Join us in celebrating five decades of parks, people, and progress!

Compass Insurance
0344 274 0276
www.compassparks.co.uk

 

COVER THAT REALLY COUNTS

Protecting Today's Parks in an Increasingly Complex Risk...

Holiday parks and caravan sites have rarely operated in a more complex and fast-moving environment. Shifting guest expectations, digital booking journeys, extreme weather events, rising regulatory demands and increasing asset values are all reshaping how parks operate.

Against this backdrop, insurance is no longer a background administrative task — it has become a central pillar of business resilience and long-term sustainability. Today’s holiday parks look very different from those of a generation ago.

Alongside traditional touring pitches and static caravans, many sites now feature luxury lodges, glamping pods, on-site leisure facilities, retail outlets, food and beverage operations, and increasingly sophisticated online booking and payment systems. While these additions enhance guest experience and revenue potential, they also create a broader and more interconnected risk profile.

Property damage, public liability, employer’s liability, business interruption, customer-owned assets and digital exposure all intersect on a modern holiday park. Ensuring that insurance cover evolves alongside the business — rather than lagging behind it — has never been more important. Weather-related risks continue to be one of the sector’s most pressing challenges.

Storms, flooding and fire account for a significant proportion of claims, often with high severity and knock-on impacts. Climate volatility is placing greater strain on park infrastructure, drainage systems and siting decisions, while the density of caravans and lodges means that a single incident can escalate rapidly across multiple units.

At the same time, park operators are increasingly responsible for managing risk not only to their own assets, but also across hundreds — sometimes thousands — of customer-owned holiday homes on site. Damage to one unit can have consequences for neighbouring pitches, shared services and the wider reputation of the park, reinforcing the importance of coordinated, specialist insurance solutions.

Beyond physical risks, holiday parks are now firmly digital businesses. Online reservations, contactless payments, customer databases, Wi-Fi networks and automated systems bring efficiency and convenience for both guests and operators. However, they also introduce cyber risks that were barely on the radar a decade ago. Cybercrime is no longer confined to large corporations.

HOLIDAY PARKS are operating in an increasingly complex risk environment, where the right insurance cover plays a vital role in long-term resilience.

Small and medium- sized businesses are increasingly targeted, often because they are perceived as easier entry points with fewer safeguards in place. For holiday parks, a single cyber incident can disrupt bookings, compromise personal data, damage customer trust and lead to significant financial and regulatory consequences.

As reliance on digital systems grows, cyber insurance is fast becoming an essential consideration rather than an optional extra. This feature explores how specialist insurance solutions are responding to the evolving risk landscape faced by holiday parks. From protecting operators against emerging cyber threats, to safeguarding customer-owned caravans and lodges and managing complex site-wide liability, the focus is shifting from reactive cover to proactive protection.

Crucially, it highlights the importance of working with insurers who genuinely understand the realities of holiday park operations. Generic commercial policies may appear cost-effective on the surface, but they can leave dangerous gaps in cover when claims arise. Specialist providers bring sector-specific insight, tailored wordings and practical support that reflect how parks actually function day to day.

Later in this feature, Holiday Park Scene speaks directly to two leading insurance specialists who offer expert insight into different — but equally critical — areas of risk management. In the first contribution, Kevin Minnear, Head of Underwriting at Compass Insurance, examines the growing threat of cybercrime and explains why holiday parks are increasingly exposed.

He outlines common vulnerabilities, the potential impact of an attack, and why cyber insurance should now be viewed as a core component of a modern park’s risk strategy. We also hear from Gareth Walker, Head of Leisuredays Development, who focuses on the insurance of customer-owned holiday caravans and lodges.

His insight explores current claims trends, highlights the real-world impact of storms, floods and fire, and explains how proactive risk management and specialist partnerships can protect owners, operators and the wider site ecosystem. Together, these expert perspectives reinforce a simple but powerful message: insurance today is about far more than recovery after loss.

It is about preparedness, protection and peace of mind. For modern holiday parks operating in an increasingly complex risk environment, the right insurance strategy is not a cost to be minimised — it is an investment in stability, reputation and long-term success.

Please read the Cyber-Crime special by Compass Insurance here: https://www.holidayparkscene.com/lets-not-go-viral/ 

Please read the latest article from Leisuredays Insurance here: https://www.holidayparkscene.com/peace-of-mind-for-parks-from-leisure-days/

 

LET’S NOT GO VIRAL!

One of the increasing risks facing all businesses is cyber-crime. Computers now sit at the centre of almost every commercial activity, enabling consumers to find what they want quickly, pay for it, and have it delivered next day or even same day. The holiday industry is no different. Consumers search for destinations, read reviews, compare prices and then book and pay online.

Computers and the internet are intrinsic to 21st century trading. As an insurance professional, one of the most challenging products to sell to a customer has been Cyber Insurance. Ten years ago, when the cover was relatively inexpensive, we couldn’t give it away — there was absolutely no interest. Fast forward to today and the environment has changed dramatically.

Cyber-crime frequently hit the headlines and claims are rising. Major companies such as Marks & Spencer, the Co-op and Jaguar Land Rover have all been affected. Even government departments have suffered from cyber-attacks.

These attacks can lead to serious business interruption, significant costs in identifying and removing malware and further investment in security to prevent recurrence. On top of this, businesses may have to face ransom demands to regain control of their systems and, if found to have inadequate security, fines imposed by the Information Commissioner’s Office (ICO).

WHAT HAS ALL THIS GOT TO DO WITH HOLIDAY PARKS?
Cyber-crime is on the rise, and in the online world no one is immune. It is easy to assume that only large companies are targeted because those incidents make the news - but they are just the tip of the iceberg.

Small businesses are frequently targeted due to;
Perceived Vulnerability: Attackers often see SMBs as easier targets with weaker security.
Data Value: Even small businesses hold valuable customer data useful for identity theft and fraud.
Supply Chain Access: Small businesses can be used as entry points into larger digital supply chains

Holiday parks typically operate websites, booking systems, computerised accounts and billing. It’s surprising how much customer data is held, and if you hold customer data, you are responsible for protecting it.

SO, WHAT ARE THE MAIN RISKS?
• Financial Costs: Direct losses from theft, ransom payments, recovery costs (IT forensics, data restoration), legal fees, and potential fines.
• Operational Disruption: Ransomware and other attacks can halt business operations for days, leading to lost income and productivity.
• Reputational Damage: A data breach can undermine years of trust and goodwill.
• Data Loss: Compromise of sensitive customer and business data, including intellectual property.
• Business Failure: A significant number of small businesses never recover from major cyber-attacks
• What exactly are cyber-attacks or cyber-crime?
• Phishing: Fake emails tricking employees into revealing credentials or installing malware.
• SQL injection: An SQL injection happens when a cyber-criminal embeds harmful code into a webpage or application to access data.
• Malware/Ransomware: Malicious software that encrypts files and demands payment for their release.
• Denial-of-Service attacks (DoS): Flooding a system with traffic to make it unusable
• Man-in-the-Middle attacks: During a man-in-the-middle cyber-attack, a cyber-criminal will intercept conversations, transactions, and the transfer of data between the victim and a service they’re trying to use.
• Social Engineering: Manipulating people through fake emails, calls, or messages to gain access.

WHAT COVER IS AVAILABLE?
There are many providers of Cyber Crime or Cyber Liability cover which keeps the market competitive. Most will offer a comprehensive cover including:
• Data breach
• Security failure
• Illegal threat
• Cyber attack

The precise scope of cover will depend on the insurer and the policy wording. If a cyber-attack strikes, policies may also help with:
• Additional business expenses
• Data recovery costs
• Public relations costs

The consequences of cyber-crime are serious for both the business and their customers. The ICO can impose fines of up to £17.5 million or 4% of a firm’s annual global turnover, whichever is higher. British Airways were fined £20M for a data breach and Marriott Hotels £18.4M. The ICO has teeth and isn’t afraid to use them!

Compass Insurance
0344 274 0276
compassparks.co.uk

THE UK’S BIGGEST TOURISM & LEISURE EVENT RETURNS

Taking place on 5-6 November 2025, NEC Birmingham...

The Land Leisure & Tourism Show is the UK’s largest event dedicated to holiday parks, leisure, attractions and rural businesses. Welcoming over 400 exhibitors and thousands of visitors, the show provides a creative space where you can gather ideas and learn from other experts in the field.

Whether you’re an established industry professional seeking fresh concepts or a newcomer looking to maximise your land’s potential, this event provides a unique platform for networking, learning, and innovation.

A HUB FOR INDUSTRY GROWTH AND INSPIRATION
This year’s show brings together three sectors under one roof, Holiday Parks, Family Attractions and Resorts, and Hospitality, creating an unmissable opportunity to explore the latest trends, connect with leading suppliers, and discover innovative solutions to enhance your business.

Plus with the Farm Business Innovation Show running alongside, farmers and landowners can access even more expert guidance on diversification and land optimisation.

EXPERT-LED SEMINARS & INDUSTRY ROUNDTABLES
Gain valuable insights from industry experts through a packed schedule of seminars, workshops, and discussion panels. The show’s keynote, Geoffrey Smith, CEO of Meadow Bay Villages, will open with a fresh perspective on the UK holiday park sector, rethinking the holiday experience through innovation and investment.

Expect thought-provoking discussions, covering key issues, trends, and opportunities that will shape the future of land, leisure, and tourism. This unique platform provides both professionals and newcomers in the industry the opportunity to network, learn and explore new opportunities.

Gain valuable insights from industry experts through a packed schedule of seminars, workshops, and discussion panels.

NEW FOCUS ON HOSPITALITY & VALUE-ADDED SERVICES
For 2025, we’re placing an even stronger emphasis on hospitality offerings, helping holiday park operators and rural businesses expand their services and increase profitability.

Expect tailored insights into enhancing guest experiences, adding premium facilities, and implementing effective marketing strategies to drive success.

YOUR OPPORTUNITY TO CONNECT & GROW
Whether you’re looking to source new products, gain expert advice, or network with industry leaders, the Land Leisure & Tourism Show is the must- attend event to take your business to the next level.

Join us on 5-6 November 2025 at NEC Birmingham and be part of the UK’s most influential event for the tourism sector.
Scan the QR code to register for your free ticket today!

SPEAKERS NOT TO MISS!

MEADOW BAY VILLAGES REIMAGINING THE UK HOLIDAY PARK EXPERIENCE
05 Nov 2025 @ 10:00 - 10:30
Land, Leisure & Tourism Theatre

Geoffrey Smith, CEO of Meadow Bay Villages, opens the Land Leisure Tourism Show with a fresh perspective on the UK holiday park sector.

Discover how Meadow Bay is rethinking the holiday experience through innovation and investment and explore the opportunities shaping the future of holiday parks and rural leisure.

THE REAL COST OF ENERGY METERING - HEAR FROM PARKS WHO HAVE MADE THE SWITCH
05 Nov 2025 @ 10:00 - 10:30
Land, Leisure & Tourism Theatre

Join industry leaders and park owners as they share their real experiences with energy metering.

From reducing costs to improving guest satisfaction, hear first-hand what works, what doesn’t, and how.

HOW GULLIVER’S WORLD IS SHAPING TOMORROW’S ATTRACTIONS - JULIE DALTON, MANAGING DIRECTOR - GULLIVER’S THEME PARK RESORTS
06 Nov 2025 @ 10:00 - 10:30
Land, Leisure & Tourism Theatre

In this opening address, Julie Dalton, Managing Director of Gulliver’s Theme Parks and Resorts group, which includes Gulliver’s World, shares the journey of the independent, family-run theme park group as it adapts to shifting visitor expectations and industry challenges.

From launching immersive events and unique guest experiences to navigating changing leisure trends, Julie offers a behind-the-scenes look at how Gulliver’s has evolved its offer while staying true to its core values of affordability, accessibility, and family-first fun.

THIS YEARS MUST-SEE EXHIBTORS INCLUDE: TOP TEN

 

 

DRY WEATHER SPARKS CARAVAN FIRE ALERT

With the UK experiencing its driest spring in over a century and the mercury rising fast this summer, Compass, a leading provider of caravan and leisure insurance, is urging static caravan owners to take urgent steps to reduce the risk of fire.

Static caravans are particularly vulnerable during extended periods of hot, dry weather. Their fixed positions, close proximity to neighbouring units, and lightweight construction—often using plastic and thin cladding—can cause fires to spread rapidly.

The added presence of LPG gas cylinders, if not stored or maintained correctly, only heightens the danger. The warning follows a notable surge in fire-related claims. Between June 2022 and May 2023, Compass recorded fire claims totalling over £165,000—more than six times the previous year’s total and representing 10% of all caravan and park home claims.

With summer 2025 expected to rival 2022’s record-breaking heat, the risk is growing. Kevin Minnear, Head of Underwriting at Compass, said: “Caravans are a fantastic way to enjoy the outdoors, but they carry serious fire risks, especially in hot and dry conditions. We’ve seen too many families lose their holiday homes and belongings to fire.

We’re asking everyone to stay vigilant and follow basic safety practices.” Common causes of caravan fires include barbecue use near units, careless disposal of cigarettes, unattended cooking, faulty gas appliances, and electrical faults. Fires in caravans are statistically more likely to result in serious injury or death than those in conventional housing.

"WE'RE ASKING EVERYONE TO STAY VIGILANT AND FOLLOW BASIC SAFETY PRACTICES."

TO HELP PREVENT FIRES, COMPASS ADVISES CARAVAN OWNERS TO:
• Keep barbecues well away from units and dry grass.
• Never smoke inside; use ashtrays and dispose of cigarettes properly.
• Store gas bottles securely outdoors, away from direct sunlight.
• Install and regularly test smoke alarms.
• Avoid open flames—opt for battery-powered lighting.
• Equip caravans with a fire blanket and extinguisher.
• Avoid overloading sockets and have electrics checked regularly.
• Keep all escape routes clear and accessible.

Insurance also plays a key role in recovery after a fire. Compass recommends that caravan owners review their policies to ensure comprehensive fire cover, maintain an inventory of contents, and understand their entitlements to temporary accommodation or replacement items.

“Fire spreads fast, just one spark can be devastating,” Minnear added. “But by taking these simple steps, owners can protect their property and their loved ones. Prevention is always better than cure.”

Compass Insurance
0344 274 0276
www.compass.co.uk

 

HOLIDAY PARK ADOPTS FLOOD ADAPTIVE TECHNOLOGY

Weir Caravan Park in Stamford Bridge has become the first site in Yorkshire to install Flood Adaptive Platforms, pioneering flood-resilient holiday accommodation. Developed by Yorkshire-based Flood Technology Group, the innovation allows caravans to automatically elevate in response to rising water levels, offering vital protection against flooding.

This ground breaking initiative not only safeguards the site’s accommodation but also enables the park to secure full flood insurance coverage through specialist provider Compass. The move is part of site owner Kevin Hind’s strategy to future-proof the business in light of increasing flood risks.

The installation follows the recent implementation of a Flood Early Warning System at the park, providing real-time updates to facilitate timely evacuations. Up to ten pitches will eventually feature the flood-responsive platforms.

Simon Gilliland, CEO of Flood Technology Group, emphasized the growing need for such innovations: “With climate change accelerating flood risks, adaptive solutions like ours are essential for holiday parks. Our technology has already proven successful in modular homes and lodges, and we’re seeing rising demand across the UK.”

Kevin Hind added, “This cutting-edge technology provides peace of mind for us and our visitors. The installation was seamless, and we’re confident it’s the best way to protect both people and property.”

Compass Insurance
0344 274 0276
www.compassparks.co.uk

OWNERS SHOULD BRACE THEMSELVES

Owners encouraged to take suitable steps to protect their investments...

Following a record number of storms during the last 12 months, static caravan and holiday lodge owners should prepare for an increased risk of storm damage, according to Compass, a specialist provider of caravan and leisure insurance. Strong winds, falling debris and flooding can cause severe structural damage, leaving owners facing costly repairs or replacements.

Recent weather events, such as Storm Ashley and Storm Bert, underscore the importance of taking preventative measures and securing comprehensive insurance coverage, particularly in coastal and rural areas popular with caravan owners.

Kevin Minnear, Head of Underwriting at Compass, said: “Static caravans are vulnerable to extreme weather, due to their fixed nature and exposed locations. We’ve already seen significant amounts of storm damage in 2024, with insurance claims currently exceeding £430,000. *Now that we are entering storm season, caravan owners should take appropriate preventative measures.”

The UK weather is hard to predict and, with flood and storm damage accounting for around 62% of all the claims Compass has received this year**, the company is keen to stress the importance of preparing for all eventualities. To prepare for the unpredictable UK weather, Compass is encouraging static caravan owners to review their insurance policies.

In addition, the company recommends taking steps such as securing the exterior and reinforcing anchoring systems to keep caravans firmly in place during high winds. Loose items, such as garden furniture or decorations, should be removed to prevent them from becoming projectiles in stormy conditions.

Roofs, windows, sidings and seals should be checked for vulnerabilities, with barriers also fitted in areas prone to flooding. Minnear continued: “Unlike bricks and mortar holiday homes, static caravans are particularly susceptible to damage from storms, so being suitably prepared can make all the difference.

As a result, caravan owners should make sure they have adequate insurance in place, as this can significantly reduce stress and financial burden. On top of offering vital protection against storm damage, other benefits can include emergency assistance for repairs, as well as support for alternative accommodation during repair periods.

Minnear continued: “Time is critical when dealing with storm damage. Fortunately, our policies are designed to provide swift support, helping our customers get back to enjoying their static caravans again as soon as possible.”

Compass Insurance
0344 274 0276
www.compass.co.uk

*Data collected from Compass static caravan/park home claims in the past 12 months

** Figure calculated from Compass static caravan/park home claims from 1 January 2024 to 22 November 2024

On top of offering vital protection against storm damage, other benefits can include emergency assistance for repairs.

COMPASS INSURANCE HAS PARTNERED UP WITH HOLIDAYMAKER PARK APPS

Compass Insurance has partnered with Dorset-based technology start-up, Holidaymaker, to support its mission to bolster the holiday park and hospitality industry with cutting edge guest engagement technology.

As part of this partnership, content from Compass will feature across holiday park apps powered by the Holidaymaker platform. Providing guests with reliable information on holiday home insurance, and holiday parks with the reassurance of accurate and validated guidance from an FCA regulated business.

In 2020, the Holidaymaker guest experience app was created to drive revenue, boost brand loyalty, and increase repeat business for hospitality brands. The founding aim of Holidaymaker was to develop a technology that revolutionises the way businesses in the sector connect with guests.

Karen Stacey, Managing Director at Compass Insurance, explained: “We are delighted to partner with Holidaymaker to strengthen the relationship between us and holiday parks across the UK. By providing support and advice on insurance related content on holiday park life hosted within the Holidaymaker app, Compass is demonstrating how dedicated it is to helping parks build loyalty and trust with their customers”

Commenting on the partnership, David McRobbie, Co-Founder of Holidaymaker, said: “Trusted partnerships with leading and respected businesses within the hospitality sector is a vital part of growing the Holidaymaker platform for the benefit of all our clients. By working with experts, we can continue to ensure the best possible products and services.

The partnership with Compass, furthers Holidaymaker’s mission to create a supportive platform for the industry, that not only provides technology such as guest, staff and owner apps, digital screens and kiosks and flexible sales channels but shares knowledge and insights that drive the whole sector forward.

Compass Insurance
0344 274 0276
www.compassparks.co.uk

DO YOU KNOW ABOUT MARTYN’S LAW?

Compass Insurance takes time to tell us about something a little different than the usual world of insurance but about some legislation that, potentially, could affect many parks.

WHAT IS MARTYN’S LAW?
To give it the correct title, the Terrorism (Protection of Premises) Bill is a piece of legislation contained within the King’s Speech last November. It has recently completed a public consultation and the Home Office will respond on this in the near future with a view to pushing the Act through Parliament in the current term.

It will be applicable across England, Wales, Scotland, and Northern Ireland. This Bill has its origins in the Manchester Concert Bomb attack in 2017, where alongside 21 others Martyn Hyett lost his life. Since the attack, a campaign has been led by Martyn’s mum to pass a law requiring hospitality and retail venues to improve their awareness of and their level of security against terrorist threat.

WHAT WILL MARTYN’S LAW DO?
Through Martyn’s Law premises will be better prepared, ready to respond and their staff will know what to do in the event of a terrorist attack. It will enhance public safety by ensuring there is better preparedness for, and protection from, terrorist attacks. This will be done by mandating, for the first time, who is responsible for considering the risk from terrorism and how they would respond to a terrorist attack at certain premises and events.

HOW DOES THIS AFFECT ME?
The proposed law will require any venue with a capacity for over 100 people to carry out certain measures and assessments to be able to lawfully conduct their business. There are several requirements for a venue to fall under the jurisdiction of Martyn’s Law, including:

• Premises and events must be open to the public.
• The premises’ purpose must be listed in the bill – these can include retail areas, events venues, entertainment, and leisure venues, etc.
• Premises must have capacity for at least 100 people.
• Premises may be a building or location with clearly defined boundaries and access routes (by permission).
• Temporary events like festivals are also included in the bill, where they need permission to enter and a capacity of more than 800 people.
• It is proposed that there will be a standard tier (100 to 799 capacity) and an enhanced tier (over 800 capacity).

THE TERRORISM (Protection of Premises) Bill is a piece of legislation contained within the King’s Speech last.

STANDARD TIER
Under Martyn’s Law, the standard tier is a baseline measure for venues with a capacity between 100 and 799. The Bill will aim to set out low-cost, practical, and effective measures to help improve preparedness in case of an attack. This may include sharing information, providing additional training for staff, and creating a preparedness plan to ingrain certain practices.

Examples include locking doors to prevent easy progress through a venue, or providing enhanced first-aid training to staff members so they can provide vital care before the emergency services arrive. Currently, the standard tier of Martyn’s Law is under consultation before it can be formalised.

This is because the law needs to provide a proportionate response that is possible for smaller venues to achieve, without being a burden. This balance is essential, as the law is designed to protect people, not penalise businesses because they don’t have the infrastructure or budget to meet the new requirements.

ENHANCED TIER
Larger events and venues, with 800+ capacity, will fall under the enhanced tier of Martyn’s Law. The enhanced tier has additional requirements to fulfil, largely in recognition that there is the possibility for more serious ramifications of a successful attack at a larger venue, like the number and severity of injuries, and the difficulty of a response on a large scale.

Measures under the enhanced tier include taking ‘reasonably practicable’ actions to reduce the risk of a terrorist attack and reduce the physical harm caused, keeping, and updating an assessed security document and designating a ‘senior member’ of staff for the venue or event.

THE PROPOSED LAW will require any venue with a capacity for over 100 people to carry out certain measures and assessments to be able to lawfully conduct their business.

SO, WILL THIS REALLY AFFECT ME?
Most clubhouses, bars and cafés will have a capacity of over 100, especially if outside tables/seating are included (which must be when calculating capacity!) and any members of staff that are involved in serving in this area at the time should also be included. From time to time, we receive requests from parks to cover festivals, displays or exhibitions that may exceed the 800 attendance mark. Below are some of the covers that may be relevant to members when Martyn’s Law is passed.

• Material Damage and Business Interruption
• Terrorism cover is very rarely purchased by holiday parks as terrorist attacks most often occur in cities and major towns.
• We are not suggesting park owners rush out and buy this as the proposed legislation does not impact a park’s decision to purchase this cover.
• Employers’ Liability (EL)
• Standard EL cover will include a limit for terrorism – usually £5 million for any one claim.
• Public Liability (PL)
• Standard PL will also include an inner limit for terrorism, usually £5 million for any one claim.

Once this legislation is passed, if members have a qualifying venue, then they will be required by law to carry out the necessary risk assessments and implement any necessary risk controls. So, this isn’t the law yet, but it could be pretty soon and it’s helpful to know what might be coming down the track.

One final note – there are plenty of ‘deals’ being offered from training companies at the moment with comprehensive-looking packages and services available. Our advice is to ignore all of them at this stage! The full parameters are not known at this time and the legislation is still being formulated.

Compass Insurance
0344 274 0876
www.compassparks.co.uk