Land Liability Insurance

We understand the importance of protecting communal land and shared spaces. At Lansdown Insurance Brokers, our Land Liability Insurance, which is part of our Residents Liability Insurance cover, provides comprehensive cover, ensuring that land owners, residents’ associations, and management companies are safeguarded against potential liabilities.

What is Land Liability Insurance?

Land Liability Insurance, or Public Liability Insurance for land as it is commonly called, is designed to protect land owners, residents’ associations, and property management companies from legal and financial risks associated with injuries or damages occurring on communal land. If a member of the public is injured or their property is damaged due to hazards on your land, this policy ensures you are covered for claims made against you. Cover can include:

• Public Liability Cover – protection against your legal liability to third parties for accidental injury or damage
• Employers’ Liability Insurance – protection against your legal liability for bodily injury to any employees
• Property Damage Cover – protection for outbuildings, perimeter walls, gates, signs, or other associated infrastructure
• Legal Expenses Cover – legal costs and expenses for insured incidents in connection with the road/property

Our policy is specifically tailored for privately owned communal spaces and does not cover brownfield land, which may have historical industrial or commercial use and associated risks.

What does Land Owners Liability Insurance cover?

Subject to the area being in a good state of repair, the following types of communal spaces are covered under this policy:

• Car parks/car ports
• Communal gardens
• Lamp posts and street furniture
• Roads, pavements, paths, gates and fences
• Bin stores
• Re-landscaping costs
• Fixed fuel oil and liquid petroleum tanks
• Underground services, septic tanks, cesspits and pumping stations

This policy offers essential protection for property owners and managing agents, ensuring that they are not left vulnerable to unexpected claims.

Request a Land Liability Insurance quote today

Ensuring your land is adequately insured is simple with Lansdown. Contact us today for a tailored quote and expert advice on the right level of cover for your needs.