Page 2 of 2 FirstFirst 12
Results 11 to 16 of 16
  1. #11
    Old nag
    Join Date
    Oct 2009
    Location
    Dorking
    Posts
    7,021

    Default Re: Fields with footpaths - do you have liability insurance?

    Have you checked with a legal bod? If someone trespassed on private land and hurt themselves, as long as there was a sign up saying beware of the whatever, they could not be sued. If someone chooses to come on your land but you have a sign up at each end saying basically - you walk here but entirely at your own risk - are you covered? or is this different because it is a public footpath. thinking about it, you always see signs in public car parks saying you have parked at own risk? I would ask the question in those terms, of a legal and not an insurance body (so CAB?) before I went any further.

  2. #12
    Veteran Bosworth's Avatar
    Join Date
    Feb 2006
    Location
    devon
    Posts
    4,453

    Default Re: Fields with footpaths - do you have liability insurance?

    We have public liability insurance, yes we are a livery yard, but we are also a private home. Even if we did not do livery we would need the public liability incase someone was injured on our land. And we are extremely lucky as we have no public footpaths. But if someone were to tresspass - and then injure themselves on the land then they could sue. if you do some work to your land and someone falls over it then they could sue. We are forever doing building work and maintenance projects so we often have building work and holes in the ground. Anyone could sue you. As Peter Natt says NFU is not expensive. We use them for the farm, land, livery, care and control and public liability and it is a very good value policy. If I had a footpath on my land I would be having the highest level of public liability insurance I could find. Horses are dangerous, and if anyone of the users of the footpath leave a gate open then the potential for damage by the horses is increased dramatically.

  3. #13
    Old nag Pedantic's Avatar
    Join Date
    Nov 2007
    Location
    Derbyshire
    Posts
    6,559

    Default Re: Fields with footpaths - do you have liability insurance?

    No wonder this country is dying on it's feet, people tresspass and hurt themselves it's your fault, WTF
    Everyone is entitled to their own opinion, as long as it's the same as mine, hahhahahhahah.........

    http://www.youtube.com/my_videos?feature=mhee

  4. #14
    Just backed
    Join Date
    Aug 2006
    Posts
    104

    Default Re: Fields with footpaths - do you have liability insurance?

    Hi if it helps I have a public liability policy for my field with KBIS I think it was 260 this year but the thing i like about it is that they do it as a private livery yard policy and provide cover for my mobile permanent building+ tack and carriage equipment stored there inclusive. This covers theft , damage and fire.

    Possibly if you have buildings and or store tack equipment there mini tractor etc maybe it might be cheaper than having it on horse insurance.

  5. #15

    Default Re: Fields with footpaths - do you have liability insurance?

    Thanks for all the comments guys, really appreciate it. Just a few things we've found in our research: BHS liability would only cover if while someone crosses the footpath they were kicked by one of the horses, it wouldn't cover if they tried to sue because they tripped on uneven ground or on the stiles (we phoned them to check!).

    Home insurance legal expenses should cover the legal expenses - but not the liability for any settlement or claim if we did have to pay out to anyone.

    NFU insurance is just over twice the amount we currently pay for our home insurance - but they do this 'land away from home liability cover' very reasonably, although you have to have our home insurance with them in order to get the land liability cover. However, PeterNatt, I do see your point, as all the other quotes we have got to far for stand alone land liability insurance are significantly more expensive than NFU (the latest quote just come in from aba Insurance is 484!!!).

    I guess we were just hoping there would be a basic land liability policy for a very reasonable sum, a bit like the BHS horse liability insurance at 59.
    I think the problem is with most other companies it's almost business liability insurance, as if we were running a farm or something, and that makes it more expensive.

    Thanks janeprince, I will give KBIS a call now and see what they come up with, I will let you know how I get on...

  6. #16
    Veteran
    Join Date
    Apr 2004
    Location
    Surrey
    Posts
    4,087

    Default Re: Fields with footpaths - do you have liability insurance?

    Quote Originally Posted by Luci07 View Post
    Have you checked with a legal bod? If someone trespassed on private land and hurt themselves, as long as there was a sign up saying beware of the whatever, they could not be sued. If someone chooses to come on your land but you have a sign up at each end saying basically - you walk here but entirely at your own risk - are you covered? or is this different because it is a public footpath. thinking about it, you always see signs in public car parks saying you have parked at own risk? I would ask the question in those terms, of a legal and not an insurance body (so CAB?) before I went any further.
    Signs of this nature aren't worth the ink used to print them. The reason being that putting one up does not negate the need for due diligence. Businesses use them as a deterrent to those wishing to sue. Sueing is based on negligence i.e. the fact that something could have been done to avoid the accident, but wasn't.

    OP, is the land your own, or rented? If the latter, it's up to the landowner to have PL insurance. You would only need PL in this case for incidents concerning your horse and equipment.

    For stiles/gates, you can apply to the local authority to have these changed to kissing gates or old stiles replaced. The landowner is not responsible for the surface of the path itself, only safe passage along it. This includes ensuring the maintenance of entry/exit, but I know the Local Authority *used to* contribute to cost. Hopefully this still applies!!
    Having a positive attitude may not solve all of your problems, but it will annoy enough people to make it worth your while.

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Find Horses For Sale