What is land liability insurance and why do I need it?

 

Land Liability insurance, also known as property owners liability, is a type of public liability insurance designed to give a landowner insurance cover should a member of the public allege they have suffered injury or damage caused by your land or property.

 

Examples of claims we have seen recently include:

  • A woman taking a short-cut through a private car park cut herself on a nail sticking out of the broken fence panel she used to access the property.
  • A woman tripped on a damaged paving slab on a communal area in front of a group of shops injuring her arm.
  • A man claimed for damage to his vehicle following impact with a pot-hole on a privately owned road leading to an industrial estate.
  • A woman injured her ankle whilst taking a short-cut over a sports field in the dark after a night out.
  • On a wet day a woman slipped on some junk mail left outside an apartment block. 

All of these cases involved no-win-no-fee solicitors and even when the land owner was found not at fault the defence costs still ran into thousands of pounds. Fortunately in each of these cases there was insurance in place so the landlord was covered for legal costs and the damages claimed by the injured parties.

 

How much does land liability insurance cost?

 

The cost will depend upon the size of the land or property, its use and if there are any factors that increase the risk, such as water courses, public rights of way, derelict buildings, mine workings, etc. A basic premium can start from around £100.

 

How to get a quote for land liability insurance

 

The best option is to speak to an experienced independent insurance broker who can assist you in finding the cover you need at a competitive premium. They may also help you by adding the cover onto another insurance policy you already have, therefore saving you more money.

 

For advice or a quote please call Sutcliffe & Co insurance Brokers on 01905 21681 or email [email protected]

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