Land Liability Insurance
Specialist land liability insurance for brokers placing rural and development risks
Dolmen Underwriting provides access to a specialist Land Liability insurance solution designed for brokers placing risks associated with owned land and open exposures. This product protects property owners against third-party injury or property damage arising from land, with optional Employers’ Liability cover where required.
Underwritten by Coverys International Insurance Company DAC, the scheme offers flexible limits and can accommodate a wide range of land types, including agricultural, development, and private access areas.
Who this product is designed for
The Land Liability scheme is suitable for brokers arranging cover for clients who own land but may not operate a traditional business from it.
Typical placements include:
- Private landowners
- Agricultural land (non-farming liability exposure)
- Development sites awaiting construction
- Self-build sites
- Woodland and forestry land
- Rough or unused land
- Private roads within residential or commercial developments
The product is designed to provide liability protection where land presents a third-party exposure, even where there is limited activity on site.
What the policy covers
The Land Liability policy provides cover for legal liability arising from land ownership, including:
-
Accidental injury to third parties
-
Damage to third-party property
-
Nuisance, trespass or interference with rights of way
-
Legal defence costs and expenses associated with claims
This cover applies to incidents arising in connection with the insured land during the policy period.
Liability limits available
The scheme provides flexible indemnity limits depending on the risk profile.
Typical limits include:
-
Property Owners Liability: €1.3m, €2.6m and €6.5m
-
Employers’ Liability: up to €10m
These limits allow brokers to match cover to the exposure level of the land and its usage.
Types of land covered
Dolmen Underwriting can consider a wide range of land types under this scheme, including:
- Grazing land and pasture
- Moorland and rough land
- Woodland and forestry sites
- Tillage land (including fallow land)
- Development sites and land awaiting construction
- Residential and commercial private roads
- Self-build sites
Each land type is subject to policy conditions and underwriting criteria, but the scheme is designed to provide flexibility across a broad range of land exposures.
Important underwriting considerations
When placing Land Liability risks, brokers should consider the following key factors:
-
Size of land (up to 100 acres standard, larger risks on referral)
-
Land usage and activity levels
-
Public access and exposure to third parties
-
Security and maintenance of the land
-
Any development or future use plans
Certain exclusions apply, including liability arising from building works, pollution, or hazardous activities unless specifically agreed.
Important Documents
The documents below provide full details of the Land Liability product, including cover, limits, conditions and exclusions.
The Policy Wording outlines the full terms, conditions, cover sections, exclusions, and limits, helping brokers understand how the Land Liability product operates.
The IPID (Insurance Product Information Document) provides a clear summary of the key policy features, cover sections, exclusions, and limits, helping brokers quickly assess the Land Liability product.
These documents should be reviewed to ensure the product is suitable for the specific land risk being placed.
Policy conditions to note
The policy requires the insured to take reasonable care to prevent accidents and maintain the land in a safe condition.
For example:
-
Land and premises must be properly maintained
-
Hazards must be addressed promptly
-
Unoccupied or unused land must still be inspected and secured
Failure to comply with these conditions may impact claims settlement.
Why brokers place business with Dolmen Land Liability
Dolmen Underwriting provides brokers with access to a flexible solution for land risks that are often difficult to place in standard liability markets.
Key benefits include:
-
Cover for a wide range of land types
-
Flexible liability limits up to €6.5m
-
Employers’ Liability option available
-
Ability to consider development and non-standard land exposures
-
Support from experienced underwriting team
-
Access to A-rated insurer capacity
This makes the scheme particularly useful for brokers placing standalone land liability risks.
Specialist Underwriting Support
Work directly with experienced underwriters who understand complex risks and provide practical solutions for brokers.
Flexible Product Solutions
Access a growing portfolio of specialist insurance products designed to help brokers place non-standard and niche risks.
Trusted Industry Experience
Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
Specialist Home Insurance Products
Get cover for unique or hard-to-insure homes, from bespoke builds to unusual materials.
Specialist home insurance designed for houses with flat or partially flat roofs.
Protect your listed or period home with tailored cover that respects its heritage.
Comprehensive protection for landlords with one or more rental or investment properties.
Insurance for homes under renovation – stay protected while you build or restore.
Specialist insurance for historic and heritage homes, preserving Northern Ireland’s architectural charm.
Flexible, affordable cover for mobile homes and holiday lodges across Northern Ireland.
Place Smarter Faster with Dolmen
Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the Land Liability scheme, contact the Dolmen Underwriting team or submit details of the risk for review.
Our team can assist with underwriting guidance, eligibility checks, and placement options.