New: Specialist landowner cover for agricultural and estate properties
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You own the land. You own the liability.

Comprehensive landowners liability insurance designed for agricultural, estate and vacant properties. 35 years of expertise protecting 3,000+ clients with ~94% retention.

Who We Protect

Agricultural Landowners

Farmers and agricultural businesses managing productive land. We cover liability arising from farming activities, animal husbandry, and rural operations.

Estate Landowners

Owners of large estates and rural properties with multiple structures. Specialist cover for liability on grounds, buildings, and organised events.

Vacant Landowners

Owners of undeveloped land and property awaiting development. Specialist cover for liability risks specific to vacant or underutilised land.

What We Cover

Landowner Liability

Core coverage for bodily injury and property damage arising from your ownership of the land and its condition.

Employers Liability on Land

Protection for liability arising from employment of workers on your land, including agricultural workers and contractors.

Public Liability Expansion

Extended coverage for public access events, organised activities on your land, and third-party injury claims.

Environmental Liability

Specialist cover for pollution-related liabilities, contamination claims, and environmental damage arising from land use.

Loss of Rent/Income

Financial protection if your land becomes unusable due to an insured event, covering lost rental income and business interruption.

Legal Defence Costs

Comprehensive legal support and defence costs for liability claims, including solicitor fees and court costs.

Why Choose Forum

Specialist Knowledge

Our team specialises in landowners liability with deep understanding of agricultural, estate and rural property risks. We know what you need.

Tailored Solutions

We don't offer one-size-fits-all cover. Each policy is customised to match your specific land use, activities and risk profile.

Fast Claims Support

Our experienced claims team handles landowner claims efficiently. Average claim settlement within 15 working days for straightforward cases.

Long-Term Partnership

With ~94% client retention, we're committed to your protection over many years. Your renewal is never automatic—we always review and improve your cover.

Trusted by Landowners Across the UK

★★★★★
"Forum understood my land exactly. Great cover at fair prices."
James M., Surrey
★★★★★
"Their claims support was outstanding. Hassle-free from start to finish."
Sarah P., Devon
★★★★★
"Been with Forum for 8 years. They keep our farm properly protected."
David T., Shropshire

Frequently Asked Questions

Landowners liability is legal responsibility you hold for injury or damage that occurs on your property. As a landowner, you have a duty of care to anyone who enters your land, whether they're trespassers, tenants, contractors or invited visitors. This insurance protects you against claims for compensation.
Yes. Vacant land still carries liability exposure. Trespassers or unauthorised visitors who injure themselves could claim against you. Environmental liabilities from land condition are also possible. Our specialist vacant land cover addresses these specific risks at an appropriate premium level.
Our employers liability extension covers your liability for injuries to workers you've hired to work on your land. However, contractors with their own liability insurance should maintain it. We'll clarify coverage limits and requirements when you get your quote. Some high-risk activities may require additional endorsements.
Environmental liability is a specialist addition to standard landowner cover. It protects against claims for pollution, contamination, or environmental damage arising from land use. This is particularly relevant for agricultural properties or land with industrial history. We can add this to your policy.
Cover limits depend on your land use, size, and activities. Agricultural land might need £1-5 million; larger estates or those with public access may need £5-10 million. Environmental liability needs vary. Our team assesses your specific risks and recommends appropriate limits during the quote process.

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier