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Car Park Insurance

We all spend too much time struggling to find a parking space when we need one. With our assistance you won’t struggle to find competitive insurance cover for car parks.

Slips, trips and falls are common in car parks and as such it is imperative that car park operators have adequate insurance cover in place to provide protection for claims as a result of damage to a vehicle or injury to a person as a result of your negligence in your car park.

With more vehicles on our roads now than ever, available land is being converted into car parks to cater for the ever growing needs of drivers.

Often car parks are owned and operated by large commercial companies however many are privately owned by individuals or small companies.

We can tailor a policy to suit you and your requirements from the small privately owned car park operator to the large multi-site commercial car park business operator;

  • Commercial car parks
  • Pay & display car parks
  • Barriers & electric gates
  • Free to use car parks
  • Parking structures
  • Multi storey car parks
  • Parking lots
  • Residential car park insurance
  • Parking bays

Insurance for car parks can can be extended to include property (buildings), money, employers liabillty, business interruption, terrorism or we can simply provide public liability insurance for car park operators.

What is a car park?

An area where the public can temporarily park their private motor vehicles.

Why do I need car park insurance?

You are responsible for ensuring you have car park operators liability insurance regardless of whether you make a charge for use of your car park or not.

Under the occupiers liability act you have a duty of care to ensure the safety of all those visiting your facilities. Dangerous or defective condition of the premises which results in injury or damage to a third party could result in a claim being brought against you.

In today’s litigious society it is common for people to make a claim against car park operators regardless of whether there has been negligence. Having public liability insurance in place will ensure that your insurers will deal with any claims and look to defend claims where there has been no negligence and settle those claims for those unforeseen unfortunate accidents.

How much insurance cover do I need?

We can provide car park public liability insurance starting at £1,000,000 indemnity rising to £10,000,000 or more to suit your needs.

Employers liability insurance is provided with a minimum £5,000,000 as required by UK law.

Property cover can be tailored to meet your specific requirements depending on the reinstatement costs of your property and assets.

Do I need insurance for car park staff?

If you employ people in any capacity such as car park attendants either on a temporary or permanent basis, as an employer you will also require employers liability insurance. If you employ people you are legally obliged to have sufficient employers liability insurance. This cover will provide protection against claims from employees who suffer an injury ( or disease ) whilst working for you.

Car park insurance claims?

What can I do to help protect against insurance claims?

Like with any other business, having in place good risk management practises is important.

Regular checks and documenting the condition of the flooring surfaces

  • Regularly checking & maintaining the flooring and surfaces where necessary
  • Ensuring that all gates, hedges, walls or fences intended to prevent unauthorised access are in a good state of repair
  • Documenting your inspections and keeping photographs or video evidence of the inspections
  • Well positioned signs to warn people of certain hazards
  • Fitting CCTV cameras is helpful as it provides a way in which footage of incidents can be reviewed

How much is insurance for car parks?

Each policy is tailored to meet the specific requirements of each car park operator. The cheapest policy will be for a car park operator who does not have any employees and only requires public liability insurance. As with any insurance policy adding cover for employees, property and increasing limits of cover will lead to an increase in the cost. If you have had previous claims this may also have an impact on the premium.

Buy car park insurance

If you are looking for a more competitive insurance quote or are unhappy with your current insurance provider let’s have a conversation.
It doesn’t take long and with our short question set we aim to provide our quotation quickly.

You can simply complete our Enquiry Form and we’ll get in touch with you or give us a call.

Alternatively if you have an area of land that you are not using as a car park but still wish to insure, why not check out our Land Insurance?