Insurance Brokers | David J Miller Insurance Brokers

Land insurance

Land Insurance

Quick, easy and hassle free land insurance available from as little as £134.50 per annum, through our panel of the UK’s leading insurers, providing cover for most types of land risks for individuals, associations, groups and commercial entities.

Insurance for land owners provides protection for liability claims sought against you including slips, trips and falls on your land.

Arranging cover through us is simple. We don’t offer online quotations or online cover as we prefer to speak directly with our clients to ensure that you understand what you are doing and to ensure that we have a thorough understanding of your requirements and the policy you purchase meets your requirements.

The process is quick and easy with documents emailed across to you providing quick confirmation of cover with land insurance indemnity from £1,000,000 to £10,000,000.

Cover is available for most types of land associated risks which may include;

Private road insurance
Brownfield land insurance
Development site insurance
Undeveloped pasture land insurance
Field insurance
Road insurance
Street insurance
Lake insurance
Body of water insurance
Moorland insurance
Rough country insurance
Woodland insurance
Residents association insurance
Residents land insurance
Unadopted road insurance
Vacant land insurance
Sports field insurance
Waste ground insurance
Car park insurance
Open land insurance
Communal gardens insurance
Developed land insurance
Industrial land insurance
Retail park insurance
Land may contain hazards including water bodies such as streams, lakes, rivers or mines and quarries etc.

This list is not exhaustive, and so, if your land insurance risk isn’t noted within the detailed list above please contact us to advise us of your specific requirements. We are able to assist with most types of land associated risk and many hard to insure and unusual land insurance risks.

What is landowners liability insurance?

Alongside the advantages of land ownership there are also disadvantages.

We no longer live in a society where people take responsibility for their own actions and as such It is unfortunate that if someone was to injure themselves whilst on your land (whether they be there for legitimate reasons or trespassing) that you could be held liable.

Landowners liability insurance covers your legal liability towards members of the public following an accident or incident whilst on the insured’s land. Liability insurance provides protection from claims brought about from third parties in the event of injury to or damage to their property caused by the insured's negligence.

You may never have considered it, however, there are many risks associated with land ownership. In today’s litigious society having adequate public liability insurance for land owners protection in place has never been more prudent.

You could be held liable should there be an injury to someone or damage to their property whilst on your land – even if they weren’t supposed to be there - if you are a land owner or are legally responsible for maintaining land then, you could be held accountable for any incidents that occur on your property.

How do I get a land liability insurance quote?

It’s easy. It takes no more than 2 minutes to answer our set of quick and easy questions about your land risk. This can be done over the phone with one of our liability insurance team or we can email you our land liability insurance quote proposal form.
 
The premium chargeable is relative to the risk such as the type of land, the size (area), its use and its location.
 
So what do we need to know about your land?

Land to be insured address or nearest postcode
How long have you owned land?
Type of land (such as private road, woodland, undeveloped pasture land etc.)?
Acreage of the site or length of road?
Are there any watercourses or water features or other potential hazards?
Are there any automatic gates or barriers on the site?
Do the public have rights of access/ Are there any public footpaths?
Is there any children’s play equipment on the land?
Are there any non-residential or disused buildings on the land?
Has the land been formerly used for any other purpose?
Is any development of the site underway/ In process?
Is the land let out for grazing?
Is the land fenced or enclosed?

This basic information will allow us to provide you with a quick quotation. Cover can be arranged within a matter of minutes and held the same day with your insurance documents emailed across providing immediate confirmation of cover. Your policy schedule will clearly detail exactly the type of land you are covering and the information provided to us giving you confidence that you are covered correctly based upon the details provided to us.
 
For car park insurance or more unusual land insurance risks there may be some additional questions from our underwriters.

If you have any concerns in relation to your existing policy or would like some advice or assistance please feel free to contact us.

What else should land owners consider?

There are further extensions you may wish to consider when purchasing land public liability insurance including:

Employers liability
Legal expenses
Directors and officers liability
Material damage for property you own on your land
Straying of animals

We will be happy to assist and talk through the different extensions available and cut through the jargon to give you a clear and concise breakdown of the landowners insurance options that you may need.

 

Did you know that we are also recommended for property owners insurance?

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