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Land With Public Right Of Way Public Liability Insurance

Specialist land with public right of way public liability insurance for landowners, estates, trusts, companies and charities responsible for land crossed by footpaths, bridleways, byways and other public access routes.

Suitable for farmland, pasture, woodland, amenity land, paddocks, mixed-use rural land, estate land and access tracks where members of the public may lawfully pass through or alongside the land.

£2 million public liability included as standard, with higher limits available. Cover can also include unoccupied buildings, with employers’ liability available where required.

FCA regulated insurance broker • Trusted since 2011 • £2 million public liability included • Higher limits up to £5 million available
Suitable for land crossed by public rights of way • Same-day documents • Employers’ liability available

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Land With Public Right Of Way Public Liability Insurance Cost

Premiums Start from £118 Per Year

We provide specialist public liability insurance for land with public rights of way across a wide range of UK land types, ownership structures and public access arrangements.

Our land with public right of way insurance is designed to be competitive and flexible, with premiums starting from £118 per year for some lower-risk land. The premium will depend on factors such as acreage, land type, the type and extent of public access, natural hazards, unoccupied buildings and the level of public liability cover required.

As a guide, a small parcel of land with a simple public right of way may start from around £118 per year. Land with heavier visitor exposure, more complex access routes, water features, structures or larger acreage may cost more.

With £2 million public liability included as standard, higher limits available, employers’ liability options, same-day documents and specialist wording, Quote Monkey offers practical cover for landowners with public rights of way across the UK.

Key Points – Land With Public Right Of Way Public Liability Insurance

Designed for Land Crossed by Public Rights of Way

Suitable for land crossed by public footpaths, bridleways, byways and other rights of way where walkers, riders, cyclists and visitors may lawfully pass through or alongside the land.

Public Liability Included as Standard

Every policy includes £2 million public liability as standard, with higher limits available up to £5 million where councils, local authorities or contractual requirements call for more cover.

Natural Features and Access Hazards Can Be Included

Cover can include liability arising from uneven ground, trees, ditches, gates, stiles, fences, steps, bridges, streams, ponds and other features forming part of the insured land.

Unoccupied Buildings Can Be Included

Liability cover can include barns, sheds, stables and outbuildings where they are unoccupied, helping protect you if their condition gives rise to a claim.

Flexible Ownership and Policy Structure

Policies can be issued in individual, joint, company, charity, trust or estate names, with interested parties noted where required.

Trusted Provider with Fast Documents

Trusted since 2011 and FCA regulated, with instant online quotes and same-day documents available once cover is arranged.

Land With Public Right Of Way Insurance – Why Choose Quote Monkey?

Quote Monkey provides specialist public liability insurance for landowners responsible for land crossed by public rights of way. Our policies are designed to protect against potentially serious claims arising from injury or property damage connected with access routes, natural hazards, water features and structures forming part of the land.

Since 2011, we have helped individuals, estates, trustees, charities and organisations arrange practical and competitively priced cover for land with public access. Whether your land includes footpaths, bridleways, byways, gates, stiles, bridges, trees, tracks, watercourses or outbuildings, cover can often be arranged quickly and clearly with instant online documents.

Commonly covered land types include:

Farmland Pasture Woodland Paddocks Amenity land Estate land Land with rights of way Land with tracks and paths

Who Needs Land With Public Right Of Way Insurance?

This cover is suitable for a wide range of landowners and organisations responsible for land crossed by public rights of way and related access routes.

Private Landowners and Joint Owners

Ideal for individuals, families and joint owners responsible for land crossed by public rights of way.

Suitable for privately owned fields, paddocks, woodland, pasture and mixed-use land.

Estates, Trusts, Charities, Companies and Pension Funds

Suitable where land is owned by an estate, trust, charity, company, management body or pension arrangement.

Policies can be arranged in the correct legal name with interested parties noted where required.

Land with Public Access Routes

Useful for land crossed by footpaths, bridleways, byways and other public rights of way where walkers, riders or visitors may be present.

Helps protect against claims arising from public use and lawful access across your land.

Landowners with Workers or Volunteers

Employers’ liability can be added where staff, labour, seasonal workers or volunteers help manage or maintain the land or access routes.

Important where fencing, vegetation clearance, path maintenance or estate work is carried out.

Landowner liability insurance for land with public rights of way, walkers and visitors

Public Liability Insurance for Land with Public Rights Of Way

Owning land with a public right of way brings important responsibilities and potential liability risks, even where the land is otherwise quiet or lightly used. Public liability insurance helps protect you financially if a walker, rider, cyclist or other visitor is injured or their property is damaged while using a lawful access route across your land.

Whether your land includes footpaths, bridleways, byways, access tracks, fields, woodland, paddocks, bridges, stiles or uneven ground, you could still face claims arising from accidents connected with those features. This type of cover provides essential financial protection for legal expenses, compensation and settlement costs.

Possible Example Claims Include

A walker trips over a hidden tree root on a public footpath and suffers an injury.
A horse rider falls after encountering an unexpected hazard on a bridleway.
A cyclist is injured after hitting a pothole or rut on an access route or permitted path.

Key Benefits of This Cover

Protection against costly compensation claims
Cover for legal defence fees and settlement costs
Peace of mind where lawful public access exists across your land
Flexible indemnity limits to suit your exposure and access arrangements

Public liability insurance for land with bridle paths and public rights of way

Employers’ Liability Insurance for Land with Public Rights Of Way

If you own or manage land with public rights of way and employ anyone to help maintain, repair, clear or manage the land or access routes, you may need employers’ liability insurance. This cover protects you financially if an employee, worker or volunteer is injured or becomes ill as a result of work carried out on your land.

Whether you have groundskeepers, fencing staff, maintenance workers, forestry labour or volunteers helping with paths, tracks or general land upkeep, employers’ liability insurance helps protect against large compensation claims and legal defence costs.

Possible Example Claims

A groundskeeper slips on wet ground while clearing a right of way.
A worker strains their back while installing fencing or gates near an access route.
A volunteer trips over exposed roots while helping clear overgrown paths.

Key Benefits of Employers’ Liability Cover

Helps meet legal requirements where staff or helpers are used
Protects against costly injury claims from employees or volunteers
Covers legal fees, medical costs and settlement amounts
Provides reassurance when maintaining land and public access routes

Insurance for landowners managing public rights of way and countryside access

Liability Cover for Footpaths, Bridleways & Other Access Routes

Public rights of way can include footpaths, bridleways, byways and other lawful access routes used by walkers, cyclists, riders and visitors. While these routes provide access across the countryside, they also increase the chance of liability claims.

At Quote Monkey, we can provide tailored liability insurance for land with public rights of way and associated access routes. This helps protect you if someone is injured or their property is damaged while using those routes across your land.

Possible Example Claims Include

A walker slips on muddy ground on a public footpath and suffers an injury.
A cyclist crashes after hitting an unseen hazard on a permitted path.
A horse rider falls due to an unexpected obstacle on a bridleway.

Key Benefits of Including This Liability Cover

Protects you against claims by walkers, cyclists, riders and visitors
Covers legal defence costs and compensation settlements
Suitable for formal rights of way and connected access routes
Flexible indemnity limits to reflect visitor exposure and land use

Flexible liability cover for landowners with public rights of way

Liability Cover for Unoccupied Buildings on Land with Rights Of Way

Many landowners with public rights of way also have old barns, sheds, stables or unused outbuildings on the land. Even where they are not in active use, these structures can still create liability exposure.

At Quote Monkey, we can often include liability cover for unoccupied buildings as part of your policy. This helps protect you financially if someone is injured or their property is damaged due to a hazard associated with an empty or unused structure on the land.

Possible Example Claims Include

A visitor trips over debris or unsafe flooring in an unused barn.
A loose panel, unstable wall or defective door causes an injury.
A contractor or delivery driver is hurt while accessing a disused outbuilding.

Key Benefits of Liability Cover for Unoccupied Buildings

Protects you from claims connected with unused structures on the land
Covers legal defence fees and compensation costs where you are legally liable
Useful for land with barns, sheds, stables and outbuildings
Helps provide reassurance where access routes pass near buildings

Insurance for unoccupied buildings on land with public rights of way

What Type of Land Can Be Covered?

Our land with public right of way public liability insurance can be suitable for many different types of land, depending on the exact use, access and features involved. This can include fields, pasture, farmland, meadows, paddocks, woodland, estate land, amenity land, conservation land and mixed-use rural land crossed by public access routes.

It can also apply to land including gates, stiles, tracks, fences, bridges, trees, streams, ponds, ditches, watercourses, unoccupied barns, sheds, stables and similar structures, subject to the policy terms and underwriting acceptance.

Policy Ownership – What Name Should the Policy Be In and Why It Matters

The policy should be arranged in the correct legal name of the landowner or ownership body. This helps ensure that, if a claim occurs, the cover reflects the true ownership and insurable interest in the land.

Policies can be issued in individual names, joint names, company names, charity names, trust names, estate names and other recognised ownership structures. Interested parties such as lenders, banks, trustees or other financial interests can also be noted where required.

If the land is jointly owned, held in trust or subject to a financial interest, getting the policy name and any interested parties correct from the outset can help avoid complications later.

Get Insured Instantly – Free Online Quote

Our instant online system allows you to get a quote and purchase your policy in minutes. You can also use the application form to add any relevant interested party details where required.

If you have any queries relating to our Land With Public Right Of Way Public Liability Insurance please contact us and we will get back to you as soon as possible. You may also find useful information on the Land With Public Right Of Way Insurance FAQs page.

Frequently Asked Questions – Land With Public Right Of Way Insurance

Below are answers to some of the most common questions about land with public right of way insurance, including public liability, employers’ liability, access routes, public rights of way, natural features and unoccupied buildings.

Land with public right of way public liability insurance is specialist cover for landowners responsible for land crossed by footpaths, bridleways, byways and other lawful public access routes. It helps protect you financially if someone is injured or their property is damaged in connection with the land or access route.
Public liability insurance covers injury or property damage claims made by third parties in connection with your land. This can include incidents involving uneven ground, hidden hazards, gates, stiles, bridges, trees, water features, tracks and other parts of the land crossed by the public right of way.
Typical claims can include walkers tripping on footpaths, horse riders being injured on bridleways, cyclists hitting hazards on access tracks, and claims arising from falling branches, defective structures or unsafe surfaces near a public route.
Employers' liability insurance protects you if an employee, volunteer, labourer or seasonal worker is injured or becomes ill due to work connected with your land or access routes. It helps cover legal fees, compensation and other claim costs.
If you employ anyone to help manage, repair, clear or maintain the land or rights of way, you may be required by law to have employers' liability insurance. This can apply to groundskeepers, maintenance staff, estate workers and volunteers depending on the arrangement.
Yes. We can often provide liability cover for land crossed by public footpaths, bridleways, byways and other public rights of way, helping protect you if a walker, cyclist, horse rider or other visitor is injured or suffers property damage while using the route.
Yes. We can often cover land that includes rivers, streams, ponds, ditches, watercourses and other natural features where they form part of the insured land, subject to the policy terms and underwriting acceptance.
Yes. We can often provide liability cover where the land includes gates, stiles, bridges, access tracks, fences and similar features associated with the public right of way, subject to the site details and underwriting acceptance.
Common claims can include injuries caused by unsafe barns, sheds, stables, walls, gates or other unused structures close to an access route. Examples include trips, falls or injuries caused by loose, unstable or falling parts of a structure.
No. This product is designed as liability cover. Where unoccupied buildings are included, the cover relates to their liability exposure only. It does not provide buildings insurance for occupied, active or business-use buildings.
This page refers to liability insurance for land with public rights of way. It does not provide full buildings insurance for occupied or actively used structures.
Yes. Public liability cover can protect you if a tree on or beside the insured land falls and causes injury or property damage, subject to the policy terms and your legal liability. Proper inspection and maintenance remain important.
Organised events are not automatically covered under standard land with public right of way public liability insurance. If an event is being held on the land, separate event insurance would usually be needed for that activity.
Yes. Policies can be arranged in individual names, company names, charity names, trust names and other suitable ownership structures depending on how the land is owned or managed.
Yes. Interested parties such as banks, trustees, pension funds or other financial institutions can be noted on the policy where required.
Quote Monkey is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 919070.
Yes. We offer pro-rata refunds if you cancel your policy early and no claims have been made, subject to the policy terms.
This policy can be suitable for a wide range of land types including fields, paddocks, meadows, woodland, pasture, amenity land, estate land and other land crossed by public rights of way, subject to the exact use and underwriting acceptance.
As soon as your policy is arranged and payment is complete, we can usually issue your certificate and policy documents promptly, often on the same day.
Yes. Quote Monkey is authorised and regulated by the Financial Conduct Authority, and has been providing specialist insurance since 2011.
No. Policies are arranged on an annual payment basis.

Other Types of Land Insurance We Offer

Explore our specialist land and liability insurance options across the UK:

Landowners Liability Insurance for Different Needs

We can provide landowners liability insurance for a wide range of ownership situations, land uses and access arrangements.

Main Landowners Liability Insurance Page

For an overview of our wider landowners liability cover, including public liability, employers’ liability, land types, water features, access risks and unoccupied buildings, please visit our main Landowners Liability Insurance page.