Appetite guide/Land Liability
Broker appetite guideLand Liability
Public liability for owners of land and open sites.
Last reviewed 23/10/2026
Who it’s for
Amenity LandGrazing LandPaddocksWoodlandAllotmentsNature ReservesPrivate RoadsPrivate Car ParksVacant Land
Headline limits
Plot size0.1 to 45 acres
Public / land liability£1m / £2m / £5m / £10m
What we’re happy to write
- Amenity land and open green space, grazing pasture, paddocks, non-commercial woodland and allotments
- Informal recreational open space, nature reserves and conservation land
- Private access roads and tracks, private car parks, and vacant or undeveloped land
- Land in the Channel Islands and the Isle of Man
What we can’t write
- ✕Risks in Northern Ireland (BT postcodes)
- ✕Land with unoccupied buildings
- ✕Land with watercourses or ponds
- ✕Fishing lakes and ponds
- ✕Land with children’s play areas
- ✕Plots over 45 acres
- ✕Previous claims, adverse credit, or insurance previously cancelled or voided
Needs an underwriter to review
- !Some risks need an underwriter to look at them before terms are released — the portal tells you straight away when that happens.
Have this information ready
- •The use of the land, the plot size in acres and the postcode
- •Whether there are car parks, private roads, buildings on the land, or whether the land is hired out
- •The limit of indemnity needed
This guide is a summary of our appetite and is not a statement of policy terms. Every risk is subject to underwriting and the policy wording.