QuoteMonkey Rural Land Public Liability Insurance
Owning rural land comes with legal responsibilities and potential liabilities, especially when it is used for agriculture, grazing, conservation, or public access. Since 2011, we have been providing Rural Landowners Insurance to protect rural landowners from third-party claims for injury or property damage that may occur on your land.
Our policy is designed to safeguard rural landowners from risks such as slips, trips, and falls, as well as damage to the land or other property. Whether your land is used for farming, woodland management, or recreational activities, we offer customised protection tailored to your specific needs.
Comprehensive Coverage – Protects against third-party injury or property damage claims, reducing your financial risk.
Flexible Policy Options – Choose from £2 million or £5 million public liability cover to match your land's exposure.
Instant Online Cover – Get immediate protection with a fast and simple online application process.
Rural Land Ownership Coverage – Covers farmland, woodlands, meadows, orchards, and more.
Slips, Trips & Falls Protection – Covers legal costs and compensation if someone is injured on your land.
Property Damage Liability – Protection if your land or structures cause damage to a third party’s property.
Employers' Liability Option – Add £10 million per claim of Employers’ Liability Insurance if you employ staff, contractors, or volunteers.
Coverage for Land Structures – Includes public liability protection for structures such as barns, stables, gates, fences, and signage.
Affordable Premiums – Competitive rates with comprehensive protection, ensuring a cost-effective way to manage your legal responsibilities.
With years of experience and specialist coverage trusted by rural landowners across the UK, you can have confidence knowing your land, assets, and financial future are well-protected.
Get instant cover online for rural and urban land – includes public liability up to £5 million.
Rural Land Public Liability Insurance
Landowners' liability insurance is designed to protect individuals or organisations who own land from financial loss if a member of the public is injured or their property is damaged on that land. It typically includes cover for medical bills, legal expenses, and compensation claims. Whether your land is rural, urban, vacant, or used for agriculture or recreation, this insurance is essential for managing liability exposure.
Types of Rural Land We Cover
Comprehensive Cover for Countryside and Agricultural Land
We provide public liability cover for a wide variety of rural land types including farmland, paddocks, meadows, pastures, orchards, woodland, conservation land, and private countryside used for leisure or grazing. Our policy also extends to unoccupied rural land, village greens, bridleways, and public access routes across private land.
Employers’ Liability Insurance for Landowners
Legal Requirement if You Employ Workers
If you hire employees, contractors, or volunteers to work on your land, you are legally required to have employers’ liability insurance. Our policy includes up to £10 million per claim, covering injury or illness resulting from work carried out on your land.
Urban Landowners Liability Insurance
Cover for Privately Managed City & Town Land
We also provide tailored public liability insurance for urban landowners. If you manage car parks, private roads, undeveloped plots, or green spaces in towns or cities, our policy covers third-party claims for injury or damage occurring on your land.
Liability Cover for Coarse Fishing Rivers & Lakes
Separate Policies for Fishing Land
If you manage or lease access to rivers or lakes for angling, we can provide a dedicated coarse fishing lake liability insurance policy. This offers protection against claims from anglers, visitors, or the public for accidents or incidents that occur during use of fishing land or water.
Leisure Site Owners Insurance
Tailored Cover for Campsites and Glamping Sites
We offer specialist cover for landowners who operate holiday lets, camping fields, caravan parks, or glamping sites. Our leisure land insurance protects you from claims made by guests or visitors related to site conditions, communal areas, and accommodation facilities. A separate policy ensures proper risk management for guest safety.
- Leisure Site Owners Insurance – Tailored protection for campsites, glamping fields, and caravan parks.
Unoccupied Buildings & Structures on Land
Public Liability for Vacant Properties
If your land includes derelict or unoccupied structures, such as barns or stables, our landowners’ liability policy offers protection against third-party claims for injury or damage caused by these buildings. Please note that this does not include cover for physical damage to the buildings themselves; material damage cover requires a separate policy.
Coverage Comparison Table
Compare Key Features by Land Type
| Land Type | Public Access | Structures Covered | Footpaths Allowed | Employers' Liability Option |
|---|---|---|---|---|
| Farmland | Yes | Yes | Yes | Optional |
| Woodland | Yes | Yes | Yes | Optional |
| Private Roads & Car Parks | Yes | Yes | No | Optional |
| Campsites & Glamping | Yes | Yes | Yes | Yes |
Frequently Asked Questions
Do I legally need landowners liability insurance?
No, it’s not a legal requirement in the UK, but it’s strongly recommended for landowners with public access or employees, as it protects against costly injury or damage claims.
What types of land can be insured?
You can insure farmland, woodland, private roads, fishing lakes, paddocks, and even vacant urban plots or meadows with public rights of way.
How much does landowners liability insurance cost?
Policies typically start from around £145 per year for £2M cover. Prices depend on land type, access, and cover level. Instant quotes are available online.
Can I insure land that has buildings or barns?
Yes, liability cover includes unoccupied structures, such as barns or stables, but does not include material damage. Separate cover is needed for property protection.
Is my land covered if there’s a footpath or bridleway?
Yes, we offer cover for land with public footpaths, bridleways, and rights of way — including legal costs if someone is injured due to poor maintenance.
Get a Free Quote
Fast Online Cover for Rural Landowners
Types of Rural Land we can insure
Explore Other Types of Insurance We Offer:
Park Home Insurance Leisure Lodge Insurance Park Home Site Owner's Insurance Static Caravan Insurance Campsite Owner's Liability Insurance Static Caravan Site Owner's Insurance Dog Insurance Cat Pet Insurance Tradesman Public Liability Insurance Car Insurance Comparison Van Insurance Comparison SUP Insurance Bike Insurance Comparison Band Insurance Motor Fleet Insurance Comparison Home Insurance Farmland Owners Insurance Coarse Fishing Lake Liability Insurance Landowners Liability Insurance Tradesman Public Liability Insurance Private Road Insurance Grassland Insurance Travel Insurance Comparison Events Public Liability Insurance Cat Show Insurance Dog Show Insurance Antiques Fair Insurance Carol Singing Insurance Bingo Event Insurance Christmas Fair Insurance Disco Insurance Jumble Sale Public Liability Insurance