Privately owned and communal land insurance

Whether you are a resident’s association, an associated management company, or a private individual responsible for the maintenance and upkeep of an area of land, then you need this insurance in case a claim is made against you.

You’re on the right path to the insurance you need

Insurance for privately owned land is a type of liability insurance that protects the landowner against claims made by third parties for bodily injury or damage to their property. We can arrange this insurance for you, and cover for damage to fences gates and other items can be included.

If you're looking to insure a wider landed estate, rather than just the land itself (including the house, land, and any farming, hospitality or tourism activity) then visit our Landed Estate Insurance page.

Want to speak to someone?

Call this number 0116 4785 926

Get a quote now

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Tailored cover for Private Roads and Driveways

Private roads insurance

Private driveways insurance

Private land insurance

Insurance for communal gardens

Insurance for unadopted roads

Insurance for privately owned woodland

Insurance for building plots

Insurance for development land

Insurance for car parks

Insurance for moorland

Insurance for parks and sports grounds

Insurance for communal residential areas

Insurance for childrens playgrounds

Insurance for community owned playgrounds

Insurance for areas of land with public access such as public footpaths

Insurance for vacant land

What covers can I include?

Third-party liability for injuries and damage to property

Employers' Liability insurance for any staff including temporary workers

Cover for buildings and any other structures you are responsible for

Loss or damage to statues, plants and trees, fences and gates, paths, and street furniture such as street lighting and signage

Theft of gardening equipment can be included (subject to minimum security conditions)

Loss or damage to children’s playparks and playground equipment

The policy can also be extended to cover public events and firework displays

Want to speak to someone?

Call this number 0116 4785 926

Get a quote now

Click here

Frequently asked questions

Why do I need Public Liability and Property Owners’ Liability insurance?

If you cause injury to another person or cause damage to their property, then they may make a claim against you for compensation. Public Liability insurance will cover you for any compensation award made against you plus the legal fees to defend you.

What is Employer’s Liability insurance and do I need it?

If you employ someone to work for you then by law, you must take out Employer’s Liability insurance. Failure to have adequate cover in force could result in your business being fined. For further details about Employer’s Liability insurance being legally required, please refer to the UK Government website (note that Clear is not responsible for the content of external websites):

https://www.gov.uk/employers-liability-insurance

Do I need Employer’s Liability insurance for subcontractors?

Yes, possibly. Employer’s Liability insurance is legally required if you engage labour either through PAYE or via self-employed labour only sub-contractors.

What other types of cover might I need to include on my Privately owned land insurance?

The answer to this depends on what else you are legally responsible for, but we can include cover for loss or damage to gates and fences as well as other estate property such as permanent structures, pathways, fountains and statues, plants and trees, children’s playground equipment and tennis courts. You can also insure against loss or damage to garden furniture and gardening equipment.