If you own land, you might be wondering what land liability insurance is and whether you need it. Here we explain everything you need to know.
What is land liability insurance?
Simply put, land liability insurance is a type of cover that protects you as a landowner against any third-party claims made against you if someone gets injured or their belongings get damaged while on your property. This includes slips, trips and falls that occur on your land.
It’s sometimes known as landowner’s liability insurance.
Is land liability insurance a legal obligation?
No, taking it out isn’t a legal obligation in the same way as it is for your car. That being said, just because it’s not a legal requirement doesn’t mean you should immediately rule it out.
Do I need insurance for land?
If you do own a piece of land (or multiple), taking out cover can be more cost-effective. For instance, if someone has an accident while on your land, you could be liable if they decide to take action against you. This often works out as a lot more expensive than if you were to take out cover to begin with.
Who’s it for?
Landowner’s liability insurance is made for anyone who owns land, including those with private or public land. It can be useful for a wide range of land types, from allotments and smallholdings to private car parks or roads and development sites.
What if my land is private?
Even if your land is private, you might still want to consider taking out cover. Accidents can happen, and if someone enters your land – be it on purpose or accidentally – and gets hurt, you could be liable to cover the costs.
Get land liability insurance from Adrian Flux
If you’re looking for land liability insurance, consider taking out cover with us. We offer insurance for various land types, including grazing land, private or unadopted roads, woodlands, development sites, and more. Simply call our team on 0800 916 1270 for a quote or book a callback at a time that suits you.
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