Tourism Insurance
Tailored tourism and activity insurance cover, matched to the way your business actually operates.
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Insurance for hospitality and tourism businesses
Tourism businesses carry risks a standard commercial policy was never built for. An activity centre has instructors taking clients up a rock face or onto open water. A caravan park has hundreds of static and touring pitches, plus the electrics, drainage, and shared facilities that go with them. A visitor attraction has thousands of members of the public moving through a site that was not necessarily designed with modern liability in mind.
Seasonal trading hits tourism businesses just as hard as hospitality, often harder. A coastal caravan park or a summer activity centre can generate most of its annual revenue in a twelve week window. A forced closure in July costs a completely different amount to one in January, and standard cover rarely reflects that.
That’s where Policy Path comes in. Tell us about your business, what activities or facilities you offer, and when your season runs. We’ll pass your details to a specialist broker who actually understands tourism and can build cover around the way your business really works.
Tell Us About Your Business
Share a few details about your tourism business and we’ll pass them to a specialist broker who understands your sector.
What tourism businesses do we cover?
Surf schools and outdoor activity centres
Caravan parks and camping sites
Visitor attractions and heritage sites
Boat trip and excursion operators
Why does seasonal trading change your insurance?
A caravan park that’s fully booked from May to September and largely empty from November to February has a completely different risk profile to a year-round attraction with steady visitor numbers. Your insurance should reflect that reality.
Seasonal cover adjustments mean you’re not overpaying in January for a risk level that only applies in August. Staff numbers change. Visitor numbers change.
A well-structured policy accounts for all of this. A poorly structured one treats every month the same and either overcharges you or leaves you underinsured during the weeks that matter most.
When you tell us about your business, we pass those details on to a broker who specialises in seasonal tourism. That’s what lets them price the risk properly, for better value and cover that actually matches how your business operates throughout the year.
FAQs
You’ll likely need public liability, professional liability for instruction, equipment cover, and potentially marine cover depending on your activities. It’s specialist cover rather than a standard commercial policy. Get in touch, and we’ll pass your details to a broker who specialises in this area.
You need employers’ liability in place before any employee starts work, and that includes seasonal instructors, casual staff, and part-timers. When you get in touch with us, let us know your peak and off-season headcount. We’ll pass that on to a broker who can structure the policy to reflect those changes throughout the year.
Some policies allow seasonal adjustments where your premium reflects the reduced risk during quieter months. Not every insurer offers this, which is exactly why it’s worth talking to us. We work with a broker who specialises in tourism and understands seasonal trading patterns, and can structure your cover accordingly.
Usually, yes, on top of standard public liability. Marine cover deals specifically with risks on the water, damage to the vessel, and passenger injury while afloat, which a standard commercial policy typically excludes or caps heavily. If your business runs boat trips or excursions, raise this directly when you get in touch, so the broker prices it as part of the policy from the start rather than as an afterthought.
Business interruption cover pays for the revenue you would have earned during the closure. For an outdoor or seasonal tourism business, a run of bad weather in July can do more damage than a quiet January ever would. The indemnity period needs to be long enough to cover a genuinely bad stretch, not just a token few weeks. Tell us about your business and we’ll pass you to a broker who gets this right.