Do I Need Insurance on Vacant Land?

By: Connor Hermesch

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1 minute read

Categories: Vacant Land

Landowner standing in agriculture field that he inherited.

Audio summary:

The sources consist of excerpts from an audio discussion that focuses on the significant liability risks associated with owning undeveloped or vacant land. The central argument is that even if someone is trespassing, the landowner can still face a financially devastating lawsuit if the person is injured due to a lack of reasonable safety and maintenance on the property. Furthermore, the immediate financial danger is often the tens of thousands of dollars in legal fees required to defend a claim, even a frivolous one, which underscores the necessity of having robust vacant land liability insurance. The discussion strongly advocates for a two-part risk management strategy: proactively addressing "attractive nuisances" and other hazards to demonstrate due diligence, and obtaining high-limit liability insurance, citing specific programs that often include prevention resources like custom waivers and safety guides. This protection is vital not based on the land's value, but on the catastrophic potential of personal injury judgments against the landowner's total assets.

Published: February 3, 2020

If you own property you have probably had the thought before –

“what happens if someone gets injured on my land?”

It doesn’t matter if the guest was invited or a trespasser, if they are injured on your property and they decide to sue, you could, in the very least, be forced to pay exorbitant legal fees. Worse even, if you are found liable by the courts, you could be forced to pay for medical expenses as well!

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This might all sound silly to you, especially in the case of trespassers as they have no right to your property, but as a landowner, you have the responsibility of keeping a reasonable level of safety and maintenance to your property. That means clearing established trails of debris and hazards, marking or covering open wells or ditches, and other such small maintenance to keep your property from risk.

The good news is, along with a good risk management plan, there are ways to protect yourself from the risk that you could incur as well as any undue financial burden! Our new Vacant Land Liability Insurance program is the best way to protect yourself from scenarios like this one.

With The American Hunting Lease Association’s new Vacant Land Insurance Program, you could be protected from certain risks including those that come with liability from trespassers being injured on your land.

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Author: Connor Hermesch

Connor is the Marketing Manager for American Hunting Lease Association and has been with them for over 5 years. Connor lives in Indiana and enjoys the outdoors whether it's fishing, riding his quad or sitting around the campfire. When not working or outdoors, you can find him rooting for his sports teams.

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