Exceptional protection for Holiday Parks and privately owned Holiday Homes

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1 Exceptional protection for Holiday Parks and privately owned Holiday Homes

2 Understanding the holiday park industry Holiday parks present different risks and challenges to the insurance market to those of the more conventional business. Whilst there are many leisure and tourism operators, there are very few that bring together such a diverse range of activities within the one operation. Understanding the interaction between these and their dependency upon one another is critical to meeting the needs of today s holiday park operator. There are many off the shelf insurance products available to holiday park operators but here at Lorica Insurance Brokers, we firmly believe that every business is unique and demands the attention of a partner able to help you explore the risks you face. Our knowledge and experience as specialist insurance brokers for the holiday parks industry means we design and implement individual solutions specifically tailored for you, your guests, your owners and your team. Our holiday parks team offer: Bespoke cover tailored to meet your needs Local service provided through our UK branch network Competitive premiums for you and your owners In-house claims team Core policy cover structured specifically around the holiday park sector Risk management and health and safety advice and support from our specialist consultant Security and protection advice from our in-house risk surveyor Insurance facility for your owners Compliant solution for the selling of insurance to your individual holiday home owners Seaside Holidays HOLIDAY PARK Welcome

3 Tailored insurance programme for park operators We are able to arrange cover for: Buildings, contents and stock including non-standard construction and underground services Hire fleet and sales stock (sited and un-sited) Business interruption (including revenue losses following damage to owners caravans) Tour operator s liability where package travel regulations apply (travel and/or excursions arranged in addition to accommodation where you are the principal) Employers liability Public and products liability Liability for key holding, cleaning and sub-letting services Transportation of caravans on and off park Loss of licence Engineering insurance Motor fleet including road trains, buggies, mowers and other park machines Legal expenses Directors and officers liability Personal accident and travel Marine small craft (Available cover is subject to satisfactory acceptance criteria)

4 Supporting your individual owners Our caravan facility encompasses: Park administered scheme Generous commission levels Support to increase insurance sales and renewal retention rates Appointed representative status (subject to FCA approval) and guidance on compliance related matters Cover for caravans, holiday homes, lodges and chalets Park retained profit on replacement units Automatic cover for sub-letting including accidental and malicious damage Cover for water damage claims during the winter season (subject to certain criteria) Replacement as new cover Loss of rental income Personal liability

5 About us We have traded under the Lorica name since 2007 but our roots can be traced back over 30 years. We are backed by a large global investment company so you can rest assured that we have the size and security to ensure our longevity. We offer an exemplary claims service, should you have the misfortune to need to claim against your policy. You will be given a dedicated claims handler who will work for you throughout the claims process to get you a fair and speedy settlement. We do not use call centres nor do we outsource claims. Our team of individuals are renowned for their expertise, friendliness and professionalism. Our advice is specific and focussed and will assist our customers in assessing and mitigating risk and deciding on the most appropriate insurance to purchase to meet their needs. In addition to our expertise in the holiday parks sector, the business offers general commercial insurance as well as specialising in the broader leisure and hospitality sector, property owners, technology - incorporating cyber risks and data centres, management liability and high net worth personal insurances. We are fiercely independent one of the top 25 independent brokers in the UK (Insurance Age 2014). We also achieved Sunday Times Best Companies two star (outstanding) accreditation in 2013 and We have Chartered Insurance Broker status which is a testament to our professionalism as a business. We comply with the Chartered Insurance Institute Code of Ethics which commits us to act ethically, always in the best interests of our customers, to provide a high standard of service and to treat people fairly, be they our customers, suppliers or colleagues. And last, but by no means least, we are regulated by the Financial Conduct Authority whose aim is to help companies like us put the interests of customers and the integrity of the market at the core of what we do. Seaside Holidays Gy & Spa Restaurant

6 Contact us For more information, a quotation or to request a meeting with us, please contact us using the details shown below Head Office T: F: E: enquiries@loricainsurance.com Birmingham T: F: E: birmingham@loricainsurance.com Bournemouth T: F: E: bournemouth@loricainsurance.com Bristol T: F: E: bristol@loricainsurance.com Cornwall T: F: E: cornwall@loricainsurance.com Hemel Hempstead T: F: E: hemel@loricainsurance.com Leeds T: F: E: leeds@loricainsurance.com London T: F: E: london@loricainsurance.com Preston T: F: E: preston@loricainsurance.com Reading T: F: E: reading@loricainsurance.com enquiries@loricainsurance.com Lorica Insurance Brokers is a trading name of Lorica Insurance Brokers Limited Authorised and regulated by the Financial Conduct Authority Registered Address: Hardwick House, Prospect Place, Swindon SN1 3LJ. Registered No