What is land
liability insurance and why do I need it?
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.
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
- 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.
does land liability insurance 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
How to get a
quote for land liability insurance
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.
or a quote please call Sutcliffe & Co insurance Brokers on 01905 21681 or
email [email protected]