QuoteMonkey Unadopted Road Public Liability Insurance
Owning an unadopted road comes with legal responsibilities and potential liabilities, particularly if the road is used by the public, residents, or businesses. Since 2011, we have been providing Unadopted Road Insurance to protect road owners from third-party claims for injury or property damage that may occur on your land.
Our policy is specifically designed to safeguard owners of unadopted roads from risks such as slips, trips, and falls, as well as vehicle damage or accidents caused by the road's condition. Whether your unadopted road is residential, commercial, or used for public access, we offer customised protection to meet your specific needs.
Why Choose Our Unadopted Road Insurance?
✅ 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 road’s exposure.
✅ Instant Online Cover – Get immediate protection with a fast and simple online application process.
✅ Unadopted Road Ownership Coverage – Covers residential, commercial, or public access unadopted roads.
✅ Slips, Trips & Falls Protection – Covers legal costs and compensation if someone is injured on your unadopted road.
✅ Vehicle Damage Liability – Protection if your unadopted road’s surface or condition causes damage to a third party’s vehicle.
✅ Employers' Liability Option – Add £10 million per claim of Employers’ Liability Insurance if you employ staff, contractors, or security personnel on your unadopted road.
✅ Coverage for Road Structures – Includes public liability protection for entry barriers, signage, and lighting on your unadopted road.
✅ 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 unadopted road owners across the UK, you can have confidence knowing your road, property, and financial future are well-protected.
What is Landowners' Liability Insurance?
✅ Landowners' liability insurance covers legal costs and compensation claims if a third party suffers injury or property damage due to the landowner’s negligence.
✅ Covers medical expenses, legal defence fees, and compensation payouts for valid claims.
✅ While not legally required in the UK, it is highly recommended for landowners who permit public access.
Types of Land Covered
Our policy covers a variety of land types, ensuring customised protection for different ownership and usage scenarios:
✅ Lakes, Rivers & Ponds – Suitable for fishing, boating, and conservation areas.
✅ Farmland & Agricultural Land – Coverage for crop fields, farmland, and leased agricultural land.
✅ Orchards – Protection for fruit-growing land and private or commercial orchards.
✅ Forests – Covers large wooded areas used for conservation, recreation, or timber production.
✅ Moorland – Suitable for open land used for grazing or conservation.
✅ Grassland – Coverage for natural open land, including wildflower meadows and grazing areas.
✅ Paddocks & Grazing Land – Provides liability protection for equestrian paddocks and grazing land used for livestock.
✅ Campsites, Glamping Sites, Park Home Sites, and Similar Leisure Locations – Coverage for land used for holiday accommodation.
✅ Private Roads, Car Parks, and Other Urban Land Uses – Coverage for privately owned or managed urban areas.
✅ Land with Public Right of Way, Footpaths, and Bridleways – Provides liability protection for landowners responsible for maintaining public pathways, including footpaths and bridleways, that pass through their property.
See below for further information about each of these land uses.
Employers’ Liability Insurance for Landowners
If you employ workers on your land, you may be legally required to obtain employers' liability insurance under UK law.
✅ Provides coverage if an employee, part-time worker, or contractor suffers an injury or illness while working on your land.
✅ Legal requirement for landowners with one or more employees.
✅ Coverage includes £10 million per claim.
Urban Landowners Liability Insurance
We provide specialist liability insurance for urban landowners, ensuring financial protection for those responsible for managing urban spaces that are accessible to the public.
✅ Private Roads – Liability cover for landowners managing privately owned or maintained roads.
✅ Car Parks – Ensures protection against claims arising from injuries or property damage on private car parks.
✅ Other Urban Land Uses – Covers various types of urban land, including green spaces and undeveloped plots.
For more information, visit our Urban Landowners Insurance page:
🔗 Urban Landowners Insurance
Rural Landowners’ Liability Insurance
Our Rural Landowners’ Liability Insurance provides tailored cover for landowners managing rural land, ensuring protection against claims arising from third-party injury or property damage.
✅ Woodlands – Ideal for conservation areas, private forestry, or recreational woodland.
✅ Fields – Suitable for agricultural, grazing, or leisure use.
✅ Meadows – Provides cover for natural meadows, wildflower fields, and open landscapes.
✅ Paddocks – Ensures protection for horse paddocks and small grazing areas.
✅ Village Greens – Covers community-owned green spaces.
For more information, visit our Rural Landowners Insurance page:
🔗 Rural Landowners Insurance
Coarse Fishing Rivers & Lakes
✅ We can provide liability insurance for coarse fishing rivers and lakes, but this would be under a separate policy.
For more information, visit our Coarse Fishing Lake Liability Insurance page:
🔗 Coarse Fishing Lake Liability Insurance
Leisure Site Owners Insurance
✅ For land used as campsites, glamping sites, park home sites, and similar leisure locations, we offer a separate Leisure Site Owners Policy.
✅ This provides tailored coverage for site owners, including liability for guest safety and site facilities.
For more information, visit our Leisure Site Owners Insurance page:
🔗 Leisure Site Owners Insurance
Liability Cover for Unoccupied Buildings & Structures
✅ Our policy covers public liability for unoccupied buildings and structures on your land, such as barns and stables. This includes liability for injuries or damage caused by these structures to third parties.
✅ However, the policy does not provide material damage cover for any unoccupied buildings, structures, or fixtures on the land. If material damage cover is required, a separate insurance policy would be needed.
Land with Footpaths Liability Insurance
✅ If your land includes footpaths or bridleways passing through it, we provide liability insurance for landowners with public rights of way.
✅ Our policy offers protection for liabilities associated with public pathways, ensuring you are covered if someone is injured due to negligence in maintaining the path.
✅ Coverage includes legal fees and compensation if a third party is injured on the footpath or bridleway crossing your land.
For more information, visit our Land with Footpath Liability Insurance page:
🔗 Land with Footpath Liability Insurance
Examples of Unadopted Roads we can insure:
