Caravan Park Insurance Insurance
Wideland Insurance Brokers arranges general insurance for residents, businesses, farms and transport operators in Caravan Park Insurance. As an Authorised Representative of Community Broker Network Pty Ltd (CBN AFSL 233750) and a Steadfast Group member, we have access to a broad panel of admitted insurers and products not available through direct channels. This page provides general information only and is not personal advice.
Insurance we arrange for Caravan Park Insurance clients
Cover types commonly arranged for regional Queensland clients include:
- Farm and rural insurance — property, machinery, livestock and liability cover, subject to policy terms and conditions
- Truck and heavy motor insurance — prime movers, rigids, trailers and fleet cover, exclusions apply
- Business insurance — property, liability and business interruption packages, cover varies by insurer
- Trades and contractor insurance — public liability, tools and contract works cover, where applicable
- Earthmoving and plant insurance — mobile plant, civil and site cover, subject to policy conditions
- Crop insurance — specified perils cover for broadacre and horticulture crops, availability varies by season
All cover is subject to policy terms, conditions and exclusions. Read the Product Disclosure Statement (PDS) before making a decision.
Regional insurance specialists
Wideland Insurance Brokers specialises in regional and rural insurance across Queensland and beyond. We understand the specific risks facing farms, transport operators, earthmoving contractors and rural businesses in regional areas — including weather exposure, distance from services, and the seasonal nature of agricultural operations.
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All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal advice prior to acting on this information. Cover availability, terms, exclusions and premiums vary by insurer, product and individual circumstance.
WebInsure Pty Ltd ABN 32 054 247 666 trading as Wideland Insurance Brokers is an Authorised Representative 000271148 of Community Broker Network Pty Ltd ABN 60 096 916 184 AFSL 233750.
Related pages
Caravan Park Insurance — What to Cover
Regional caravan parks and tourist parks — particularly those in Queensland’s holiday regions and along the highway network — have a specific insurance profile that standard commercial policies rarely address well. The combination of permanent and transient occupancy, cabins and powered sites, communal facilities, recreation areas, and the liability exposure of a large number of people in a relatively small area requires a carefully structured insurance program.
Key cover components for caravan park insurance include:
- Property — permanent structures including amenities blocks, reception, manager’s residence, laundry and workshop
- Cabins and units — permanent and relocatable cabins, ensuite sites and self-contained units
- Business interruption — lost revenue when the park or cabins cannot operate following an insured event
- Public and products liability — guest injury, slip and fall, pool incidents and food service liability
- Pool and recreation facilities — liability and property cover for pools, playgrounds and recreational equipment
- Guest property — limited cover for guest belongings in some policy structures
- Money and theft — cash on premises, in transit and from safes
- Machinery breakdown — pump systems, hot water systems, refrigeration and pool equipment
Seasonal and Holiday Park Considerations
Caravan parks in Queensland’s coastal and tourist regions have strongly seasonal revenue profiles — peak school holiday and winter tourism periods generate the majority of annual income. Business interruption cover needs to be calibrated to the actual seasonal revenue pattern, not an annualised average. If your park is forced to close during school holidays following storm damage, the lost income is substantially higher than the same closure during a low season period.
Cyclone and Weather Exposure
Caravan parks in North and Central Queensland are exposed to cyclone, severe storm, hail and flood events that can cause substantial damage to cabin stock, amenities and infrastructure. Cyclone excess arrangements and the interaction of wind, storm and flood definitions in the policy are critical considerations for parks in cyclone-affected regions. Wideland reviews these provisions specifically for caravan park clients in weather-exposed locations.
Frequently Asked Questions
Does caravan park insurance cover guests’ caravans and motor homes?
Generally not — guests’ own vehicles and caravans are their responsibility to insure. Caravan park insurance covers the park’s own property and the liability arising from guests’ use of the park. Some policies include limited cover for guests’ property in specific circumstances — this is worth reviewing with Wideland for your specific policy.
Can Wideland arrange insurance for a mixed caravan park with permanent residents and tourist sites?
Yes. Mixed-use parks with a combination of permanent long-term residents and short-stay tourist sites have a specific risk profile. Wideland can arrange cover that reflects both the residential and tourist components of the park.
Speak with Wideland Insurance Brokers
Regional insurance arranged by brokers who understand country Australia.
About Wideland Insurance Brokers
Wideland Insurance Brokers is part of the WebInsure group, founded in 1996 by Trent Sampson who began his insurance career in regional NSW agricultural communities in 1992 — working with farming families before co-founding WebInsure and building a broking practice with genuine understanding of rural and regional risk. Co-owner Lorraine Sampson holds a Rural Science degree from the University of New England and an agronomist qualification. This depth of agricultural understanding is uncommon in the insurance industry and gives Wideland clients access to advice that actually reflects how farms and regional businesses operate.
Wideland is an Authorised Representative of Community Broker Network Pty Ltd (CBN) ABN 60 096 916 184 AFSL 233750, and a member of the Steadfast Group — Australia’s largest insurance broker network. This combination gives regional clients access to a broad panel of admitted insurers and specialist underwriters, competitive pricing through group purchasing arrangements, and the support of a national network while retaining the personal service of a regional broker.
Wideland arranges insurance for clients across regional and rural Australia — not just Queensland. Farm, crop, livestock, truck, earthmoving, contractor, hospitality, strata and small business insurance for clients from the Kimberley to the Coral Sea, from the Gulf Country to the Southern Tablelands. If you are in regional Australia and need insurance arranged by people who understand country, call Wideland on 07 4602 9002 or enquire online at any time.
Speak with Wideland Insurance Brokers
Regional insurance by brokers who understand country Australia.