plot of land

Land Insurance - what it is and why you need it

Land Insurance is a must if you own a field, plot of land or even just a private road as you could be liable if someone - including a trespasser -  is on the land and injures themselves.

If it is a private road then the residents along the road tend to band together and share the cost of Land Insurance to cover the risk. This sort of insurance is known as property owners liability insurance or simply as public liability insurance for land.

Land Insurance can cover fields, lakes, streams, quarries, mines, forests, woodland, roads, wharfs – you name it,  if it is part of the land then it can be insured under a public liability insurance policy, although the public liability to defend against people hurting themselves on your land is perhaps the most common requirement for Land Insurance.