You own the land. You own the liability.

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.