Land Insurance
Land Liability Insurance Backed By ‘Exceptional’ Service
Want to save money on your land insurance? Let the land liability insurance specialists at Coversure Hull compare our markets to find you the landowners’ insurance protection that’s right for you. Whether you have farmland, development land, a brownfield site or a mixture of all of these, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Land liability insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of property insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your land insurance quote today.
What is land insurance?
Land insurance is a specialist form of public liability protection that’s been designed to protect landowners from the risks they face. Land insurance can provide financial cover should someone be injured while on your land or have their property damaged while on your land. Examples of the liability risks landowners face include:
- A walker stepping into an unseen hole and twisting their ankle
- A driver having their car damaged by a falling branch from a tree that’s on your land
- A neighbouring property being damaged by a slate falling off an outbuilding on your land
What can land insurance cover?
Public liability for landowners is the main cover with land insurance but a policy can be extended to other things, including:
- Public access insurance for landowners who allow the public to cross/use their land
- Employers’ liability insurance which protects landowners with employees from claims for injury or loss incurred while working for them
- Legal expenses insurance – to help cover the costs of defending any action brought against you
- Material damage to structures such as streetlights, walls, fences and outbuildings
Who needs land insurance?
All landowners would be wise to get a land liability insurance quote as even if you don’t offer a public right of way across your land, you are still at risk of claims for compensation. There are two reasons for this:
What types of land can be covered by a land insurance policy?
Most types of land can be covered by a landowners’ liability insurance policy, including:
- Farmland
- Commercial land
- Speculative land
- Brownfield sites
- Greyfield sites
- Car parks
- Development plots
- Fallow agricultural land
- Moorlands and heaths – with or without grazing livestock
- Woodland
- Parkland
- Private and unadopted roads
What are the policy limits on a land liability insurance policy?
A standard landowners liability insurance policy will provide liability limits of between £1m and £10m. We can arrange policies with higher limits if required, so please call us on 0800 977 6037 and the team will be happy to help.
What are the advantages of land insurance?
Owning land brings risks and with land liability insurance in place, landowners can be protected financially from these risks.
How much does land insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your land insurance quote will depend on things like:
- The amount of land you have
- Where it is
- What it is used for
- If it’s liable to flooding
- If it contains bodies of water
- If you allow the public to use it
- Whether it has buildings on it
- Whether it borders public roads
- Whether it’s being used for business purposes
- Your claims history
The best way to get the right landowners’ insurance is to get some independent advice. Our team of liability insurance specialists will be happy to get to know your needs and provide you with a land insurance quote that’s right for you.
Land insurance FAQ
Land insurance is a complex area of cover and it’s important to get it right. To help you get the protection you need, here are our land insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Is land insurance a legal requirement?
A. No, but it can provide great peace of mind for a modest premium
Q. Why do landowners need insurance?
A. Because accidents happen and even if people don’t have your permission to be on your land, the right to roam could see them on it and you could be held liable if there are any problems. Also, third-party incidents such as falling trees are risks you can be held financially liable for
Q. What policy limits do I need?
A. That will depend on the type of land you have, how much you have, and where it is. Most policies offer liability limits of between £1m and £10m but these can be raised if needs be. If you have a specific piece of land in mind, then please get in touch by calling us free on 0800 977 6037
Q. What types of land can be covered?
A. Everything from farmland and parkland to carparks and private (unadopted) roads can be covered
Q. How much does land liability insurance cost?
A. That will depend on things such as:
- The amount of land you have
- Where it is
- What it is used for
- If you allow the public to use it
- Whether it borders public roads
- If it floods
- Your claims history
Q. What information must I give to get a land insurance quote?
A. Honesty and accuracy are required when getting a land insurance quote. Be honest about its usage, level of access, if it has lakes, ponds or rivers on it, or if has things like quarries, disused mine works or other industrial workings on it. Failure to declare everything could void your policy
Q. How can I get a land liability insurance quote?
A. Getting a quote is easy. You can start your land liability insurance quote here or call us on 0800 977 6037
Get a land insurance quote today
If you'd like some land insurance help or a land insurance quote here call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
- The Countryside and Rights of Way Act 2000 gives people the “freedom to roam” or “right to roam” on some privately owned land. This means that even if you haven’t given your permission for walkers to be on it, you could still be held liable if they come onto your land and are injured
- A land insurance policy also covers you for third-party damage. So, for example, if a tree branch on your land was severed in a storm and hit someone’s car or property, you would be covered against any potential claims
