FS Register FRN 1029698
54 Five Star Google Reviews
13+ years specialist broking experience
Glamping Site Insurance — Pods, Huts, Yurts & Tents
Cover for glamping structures, guests, hot tubs and lost bookings, for sites from a single shepherd's hut to a full glamping business. Including sites other insurers have declined.
Glamping site insurance is a commercial policy for businesses letting pods, shepherd's huts, yurts, bell tents, safari tents, domes or treehouses to paying guests. Home, farm and standard holiday-let policies rarely fit, because the structures are often timber or canvas, sit in exposed rural locations, are heated by wood burners and are frequently paired with hot tubs and fire pits. A glamping policy insures each structure and its contents at replacement value, covers your liability to guests, employers' liability for staff, loss of booking income after insured damage, and the extra exposures that come with hot tubs, fire pits and activities. Many mainstream insurers decline canvas structures, hot tubs or remote sites. Miller & Partner places glamping sites through Lloyd's syndicates and specialist MGAs.
What does glamping insurance cover?
One policy built around the structures, the guests and the season, rather than a farm or home policy stretched to fit.
Structures
Each pod, hut, yurt or tent at full replacement cost, including canvas, decking and fixed furniture.
Contents
Beds, linen, wood burners, kitchen kit and furnishings in every unit, plus shared facilities.
Public liability
Guest and visitor injury or property damage claims. £5m is common for sites with hot tubs or fire pits.
Employers' liability
A legal requirement once you employ anyone, including seasonal cleaners and site staff.
Loss of income
Lost bookings while units can't be let after insured damage, set around your peak season.
Storm & fire
Wind and storm damage to canvas and timber, and fire from wood burners and fire pits.
Hot tubs
Liability for guest injury or illness, and damage to the tubs themselves.
Theft & malicious damage
Including damage by guests and theft from remote, unattended sites.
Shop & food
Product liability if you sell food, drink or produce on site.
Why do mainstream insurers decline glamping sites?
Most declines come from rules that don't fit timber and canvas holiday accommodation. Specialist underwriters look at how the site is actually run.
| Why insurers decline | How we approach it |
|---|---|
| Canvas and timber structures | Construction, age and spacing between units presented properly, with markets that write non-standard structures. |
| Wood burners and fire pits | Installation certificates, spark guards, carbon monoxide alarms, extinguishers and guest fire rules. |
| Hot tubs | Water treatment and testing records, covers and locks, and written guest rules. |
| Exposed or riverside sites | Anchoring, storm procedures and flood history, rather than the postcode alone. See commercial flood insurance. |
| Closed out of season | Winter procedures agreed, such as taking canvas down or draining water systems. See unoccupied property insurance. |
| Claims or past refusals | One full presentation to the right market. See insurance after a refusal. |
What insurers will ask about
Having these ready speeds up quotes and protects you at claim stage.
Required for premises taking paying guests, covering every unit, wood burners, fire pits and escape.
Evidence each wood burner was installed properly, with carbon monoxide alarms fitted.
Water treatment and testing records, cleaning routine and guest rules.
Inspection of hook-ups, site wiring and portable appliances.
Planning permission for the units, and a site licence where the structures count as caravans.
Distance between units, materials, age, and how canvas is managed in high winds.
Running a static caravan or lodge park instead? See our holiday caravan park insurance guide.
Frequently asked questions
Yes. Farm, home and standard holiday-let policies rarely cover canvas or timber guest structures, hot tubs and fire pits properly. A glamping policy covers the structures, guests, staff and lost bookings as one business.
It can, but storm cover for canvas often has conditions, such as taking tents down in forecast high winds or over winter. Check the storm wording and any canvas exclusions before you buy.
Usually not without changes. Taking paying guests is a new business activity that most farm policies need to be told about and may exclude. Many farms insure the glamping business on a separate policy.
They can be, but some insurers exclude them or add conditions. Expect to show water treatment and testing records, secure covers and written guest rules.
£2 million is a minimum, and £5 million is common for sites with hot tubs, fire pits, play areas or activities. Some booking platforms and landowners ask for a specific limit.
Yes, with loss of income cover. Set the indemnity period to cover the time needed to replace the structure and get back into your peak season.
It depends on the structures and your local planning position. Some units, such as shepherd's huts on wheels, can count as caravans and need a site licence as well as planning permission. Check with your local authority.
Yes. Specialist markets will consider glamping sites with claims or past refusals when the facts are disclosed in full and you can show what has changed on site.
Related guides
Our regulatory status. Miller & Partner Limited (FRN 1029698) is an Appointed Representative of Gauntlet Risk Management Ltd (FRN 308081), which is authorised and regulated by the Financial Conduct Authority. This page describes the types of cover we arrange. It is general information, not a personal recommendation or an offer of cover. Cover is subject to insurer acceptance and the full terms, conditions and exclusions of the policy issued.
John was very helpful in an area where other brokers could not find policies that met the needs of my business. Quick responses and always friendly!
I’ve been dealing with John for our specialist crime scene and biohazard cleaning insurance, and the service has been excellent. He took the time to understand the nature of our work and ensured we had the right level of cover in place. Responsive, knowledgeable, and easy to deal with throughout. Would recommend 100%
John M provided excellent support in arranging a policy suited to our needs. Despite our niche requirements, he communicated everything clearly and made the process simple. Highly recommended!
MEET THE Director
Hey, I'm John!
I started Miller & Partner with the aim to bring back personable, approachable broking to UK businesses who were tired of large corporate brokers and feeling like they were just another number.
I have built this brokerage up with no pushy sales techniques or big business tactics, just honest, approachable and professional relationships with my clients.
Over 13 years experience in business insurance
Client first approach
5* rated broker on Google
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
Instagram
LinkedIn