STRENGTH IN NUMBERS: WHY COA MEMBERS GET A BETTER DEAL ON ACCOMMODATION RENTAL INSURANCE

In the world of outdoor hospitality—whether you're running a boutique caravan park, a glamping retreat, or a traditional campground—the "to-do" list never ends. But if there is one thing that keeps property owners up at night more than a leaky tap or a storm warning, it's insurance.

The insurance market for accommodation providers can be a minefield: high premiums, "cookie-cutter" policies that don't fit the unique needs of the outdoors, and the constant worry that you aren't actually covered when it matters most.

That's where the power of the COA Cooperative comes in.

The Might of the Cooperative

The "C" in COA stands for Cooperation, and we take that seriously. In the insurance world, an individual business is often at the mercy of whatever rates a broker can find. But when you stand with COA, you aren't just one business—you are part of a massive collective of camping, outdoor, and accommodation professionals.

By leveraging the collective scale of our membership, the COA Accommodation Rental Insurance Program (managed via coa.au/insurance) is able to do what a single operator cannot: negotiate from a position of strength.

Why the COA Insurance Program is Different

Because this program was built by the industry for the industry, it bypasses the flaws of standard commercial insurance. Here is why COA membership gives you the upper hand:

1. Better Rates Through Collective Buying

Insurance companies love "group risk." Because COA represents a large, vetted group of professional operators, we can access preferred rates and bulk-buy discounts. These savings are passed directly to you, often resulting in premiums that are significantly lower than what you'd find on the open market.

2. Coverage That Actually Fits

Standard rental insurance often fails to account for the specifics of the outdoors. Does your current policy understand the liability nuances of a powered campsite? What about communal fire pits or adventure equipment? The COA program is tailored specifically for our sector. It closes the "hidden gaps" that generic policies miss, ensuring that your accommodation assets—and your livelihood—are truly protected. 

3. Professional Advocacy

When you're a COA member, you have the "might" of the cooperative behind you. If you ever need to make a claim, you aren't just an anonymous policy number. You are part of a premier industry body. This collective weight ensures that our members are treated with the priority and respect they deserve.

Protection Built for the Great Outdoors

The COA Accommodation Rental Insurance Program covers the essentials and the extras that matter to you:

• Property & Assets: Protection for your physical infrastructure, from cabins to amenities blocks.
• Public & Products Liability: Essential peace of mind for guest-facing businesses.
• Business Interruption: Ensuring that if the unexpected happens, your cash flow doesn't dry up.

Don't Go It Alone

In an increasingly complex legal and financial landscape, there is no need to navigate insurance solo. By joining forces through the COA Cooperative, we ensure that every member—no matter how small—enjoys the protection and pricing usually reserved for the "big players."

Ready to see the COA difference? Visit the COA Insurance Portal to learn more about the program.  As a member we'll help you get a quote that reflects the true value of your membership.

Stand together. Save together. Grow together.