Insurance When You Let Others Use Your Land
If you allow camping, market stalls, agistment of up to 100 cattle or horses, or an unsealed car park on your land, the online quote can cover your liability as the landowner.
Who it's for
Landowners earning a little from low-intensity use of their land.
Common claim scenarios
The policy covers claims you're legally liable for, up to your limit. These examples are illustrative, and whether a claim is paid depends on the facts and the policy wording.
A fall in the car park
On market day, a shopper trips in a pothole in your unsealed car park and breaks a wrist.
How cover responds: If you're legally liable as the landowner, the shopper's injury claim is covered, with legal costs to defend it paid on top of your limit.
A branch over the campsite
A dead branch falls from a tree near the camping area and injures a camper.
How cover responds: The camper's claim is covered if you're legally liable as the landowner. Check trees around areas people use, as the policy expects reasonable precautions.
A stallholder's equipment
A stallholder's gas heater tips over and burns a customer.
How cover responds: The stallholder's own public liability cover should respond. Ask operators and stallholders to hold their own cover, and tell us if a claim is also made against you as the landowner.
Watch for
Your cover protects you as the landowner. Operators, stallholders and campers may need their own cover. Higher-risk events and activities need a broker.
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