Death By Drowning For Stricken Parks

Death By Drowning For Stricken Parks

caravanflood

Flood waters caused damage to parks in the North.

Severe storms battered the UK at the end of last year, causing devastating floods and damage to a number of holiday parks in the North of the country.

In light of the recent floods, Britain’s Secretary of State for tourism has been told that Northern England’s visitor industry could suffer ‘death by drowning’ if more attention isn’t paid to maintaining the region’s waterways.

The warning was delivered by chairman of the BH&HPA Henry Wild at a major London tourism conference. Mr Wild said that the aftermath of December’s deluges had shown the potentially devastating impact that flooding could have on the tourism industry, particulary in Cumbria and Lancashire. He said there needed to be a body appointed with clearly defined responsibilities for ensuring that waterways were capable of removing surface water from the land.

“It appears that many holidaymakers have been heeding the message that Cumbria is determined to be back on its feet by spring with repairs made to much of our damaged infrastructure,” he said.

“We now need a clear road map which identifies the agency and the resources available to it for tackling the problem of an ever-rising water table.”

Deeside Holiday Park in Aberdeenshire was totally submerged when the nearby River Dee burst its banks due to heavy rain gales were swept in by Storm Frank. Residents, guests and staff were evacuated on December 30 at 2pm and by 3.30pm the entire site was underwater. Flood water surged through the park once more on January 3, causing further destruction.

“The park has been completely devastated,” explains Sarah Wood MacGregor of Wood Leisure, owners of Deeside Park.

“The reception is the only building left standing as it is on higher ground but everything else, including all the lodges, holiday homes and caravans have been demolished.

“We had some flood defences in place, but as a fairly low risk area no one could have predicted the sheer volume and power of the water that hit the park. We are just counting our lucky stars that no-one was injured.”

A major clean-up operation is underway at Deeside as water levels began to subside. Wood Leisure hopes that the park will be up and running again in time for the summer season.

Sarah adds: “We are remaining optimistic, but we have a long road ahead. We will be investing in new flood defences and hope to have some parts of the park open in the spring.”

A recent report by specialist insurance broker Towergate revealed that over the past five years, more than a third of small businesses have experienced property damage from bad weather. Yet three in five aren’t insured against flooding, high winds, thunder and lightning, snow, ice or hail – risking footing the bill for £74,000 worth of property damage on average.

Commenting on the findings, Drew Wotherspoon from Towergate, said: “Small businesses are the lifeblood of the UK economy, but too many firms are not protecting themselves against the erratic nature of British weather, leaving themselves open to footing the bill for substantial damages and losing out on business earnings.

“It’s vital that small business owners take heed of weather warnings and take precautionary measures to allow them to weather the storm and get back to business as quickly as possible.”

 

Risky Business

One of the best ways to reduce the cost of your insurance is to demonstrate that your business has a responsible health and safety practice in place.

One of the best ways to reduce the cost of your insurance is to demonstrate that your business has a responsible health and safety practice in place.

Risky Business

There’s no doubt about it, insurance is complicated. The amount of jargon associated with the subject can be off-putting for many, and can make finding the right insurance product a difficult and complex process.

However, choosing the right insurance partner can be the difference between success and failure in the event of a catastrophe.
Holiday parks offer a unique blend of risk to the insurance market. By their very nature, parks are exposed to the elements, presenting an accumulation of challenges to the insurer.
According to Compass Insurance, storm damage is the highest claimed peril on holiday and caravan parks, followed by accidental damage and escape of water or burst pipes. These perils make up 50 per cent of the company’s received claim volumes. The remaining 50 per cent is made up of theft, liability, fire, impact, and subsidence claims.

“We have discovered that although the needs of individual park owners vary, there are three distinct elements of essential park insurance to consider – material damage, liability cover and financial protection,” explains Dave Sheath, managing director at Compass.
“Essential holiday park insurance should cover buildings and structures, hire fleet and sales stock, underground services, contents, loss of rent or alternative accommodation, Business Interruption, Public Liability and Employer’s Liability.”

Holiday parks offer a unique blend of risk to the insurance market. By their very nature, parks are exposed to the elements, presenting an accumulation of challenges to the insurer.

Holiday parks offer a unique blend of risk to the insurance market. By their very nature, parks are exposed to the elements, presenting an accumulation of challenges to the insurer.

In addition to ensuring the essential areas of cover are in place, careful consideration should always be given to the sums insured declared. By under estimating sums insured, to potentially save on premium costs, park businesses could be exposed to risks by being underinsured.
Appointed by The British Holiday & Home Parks Association (BH&HPA) to serve the interests of its members, Compass offers two bespoke policies; a Compass General policy and a Compass Park Owned policy. As well as providing essential cover, the bespoke policies also of a range of products that can be tailored to meet the needs of the park, including Contractors All Risks, Fidelity Guarantee and Employment Practices Liability, Environmental Liability and Cyber Liability.
“Operating in a changing environment will mean your business is faced with new and emerging risks,” says Dave. “With this in mind, you may want to consider new policies. It is worth considering all options available as the cost of extending cover or purchasing new risks may not be as expensive as you think.”

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