Public Liability for your Private Road, Land, Field, Unadopted Road or Woodland

What is Public Liability?

Public Liability insurance is one of the most important insurance policies for your private road.  In a nutshell Public Liability covers any costs arising from claims for Compensation and/or Legal Costs that has resulted from a member of the public suffering injury/death or damage/loss to their property while on your private road.

Unlike Employers Liability insurance, you are not legally required to have Public Liability, although we definitely recommend you have this cover for your private road.

private road insurance

Why it is important to have Public Liability for your Private Road or Land?

If a member of the public slipped on your private road then you would be deemed liable and could have to pay compensation to this person as well as potential legal costs.  Not only that but the NHS could even seek compensation for any medical costs for treatment to the injured person.  This could easily add up to thousands, if not hundreds of thousands of pounds.

You may think that such an occurrence is a little far fetched, but for the sake of a very small annual premium do you really want to risk this?  Think how much it would cost if a member of the public broke their back or neck and had to spend years out of work.  Not only could you be liable for the initial medical treatment costs, but if they claim for loss of earnings as well as projected future loss of earnings then all of a sudden a small annual premium doesn’t seem to be a bad idea after all.

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How do I arrange public liability insurance cover?

It is very easy to arrange Public Liability Insurance for your private road simply by following one of these options:

  • Call us on 01872 484025 to speak to one of our advisors
  • Complete our easy online form – and we will get to work on obtaining a quotation for you
  • Arrange a call back by completing the ‘request a call back’ form on the right of this page.

This site,, has been created and provided by Cobalt Online. We are an independent marketing website and are not authorised to give advice. We are not liable for any advice provided by, or obtained through a third party. The information published on this website is for information purposes only.

Care has been taken to ensure that the information is correct, but we neither warrant, represent nor guarantee the contents of information, nor do we accept any responsibility for errors, inaccuracies, omissions or any inconsistencies herein. We do not give personal advice and the information provided is only to provide an overview of the areas of finance. Anyone considering taking any action may wish to seek advice from an Insurance Broker registered with the Financial Conduct Authority. We cannot be held liable for any losses incurred.