Paddock Owner's Public Liability Insurance

Paddock Owners' Public Liability Insurance

Owning or managing a paddock brings unique responsibilities and risks — whether your land is used for grazing horses or other animals, riding activities, smallholding use, or simply enjoyed as open space. Even if your paddock is rarely used or only occasionally visited, you can still be legally responsible if someone is injured or their property is damaged while on your land.

At Quote Monkey, our Paddock Owners' Public Liability Insurance is designed to protect you from unexpected claims and financial losses. It covers compensation payments, legal defence costs, and medical expenses if an incident occurs, giving you peace of mind so you can focus on maintaining and enjoying your paddock.

Paddock Liability Insurance — Possible example claims include:

A visitor trips on uneven ground or a hidden hole in a paddock, breaks an ankle, and claims for medical costs and lost income.
A horse escapes from your paddock and causes a road traffic accident, leading to claims for vehicle damage and driver injuries.
A tree branch falls onto a neighbour's property, resulting in damage and repair costs.
A rider falls after hitting an unexpected rut in a paddock track and claims damages for injuries.
A contractor slips on wet grass while delivering supplies, leading to a claim for injury compensation.

Key benefits of Paddock Liability Insurance:

Protection against unexpected and costly compensation claims
Covers legal expenses, medical fees, and settlement payouts
Peace of mind for paddock owners and land managers
Flexible indemnity limits to match your paddock’s size and activities
Cover whether your paddock is actively used, leased, or occasionally accessed
Having reliable liability cover allows you to confidently manage your paddock, meet legal obligations, and continue welcoming visitors or offering riding access safely.

At Quote Monkey, we specialise in tailored liability solutions for paddock owners across the UK. Our policies are flexible, competitively priced, and easy to arrange online — so you can focus on caring for your land and animals without unnecessary stress.

Paddock Employers' Liability Insurance

If you manage a paddock and employ staff — including stable hands, groundskeepers, seasonal help, or volunteers — you are legally required to have employers’ liability insurance.

This vital cover protects you financially if an employee or volunteer is injured or becomes ill as a result of working on your paddock.

Paddock Employers' Liability Insurance — Possible example claims include:

A stable hand slips on wet ground while moving feed and fractures a wrist, leading to medical and compensation claims.
A groundskeeper injures their back while lifting heavy fencing panels, resulting in treatment costs and loss of income.
A seasonal worker is injured while operating equipment and claims for serious injury and rehabilitation costs.
A volunteer trips over tools left on the ground and requires surgery, leading to a damages claim.

Key benefits of Paddock Employers' Liability Insurance:

Meets legal requirements under UK law for employing staff or using volunteers
Protects against expensive compensation claims and legal disputes
Covers legal fees, medical expenses, and settlement payouts
Peace of mind to focus on paddock management and activities confidently
Flexible cover limits to suit your operational needs

At Quote Monkey, we provide specialist employers’ liability insurance designed for paddock and rural businesses. Our policies are flexible, affordable, and simple to purchase online, so you can stay compliant and focus on running your paddock safely and effectively.

Liability Cover for Paddock Tracks & Public Access

At Quote Monkey, we also offer tailored liability insurance to protect paddocks that include public or permissive access routes, exercise areas, and riding paths. This ensures you’re financially protected if someone is injured or their property is damaged while visiting or riding on your land.

Paddock Liability Insurance — Possible example claims include:

A visitor slips on wet grass during a public riding event and suffers an injury, leading to a claim.
A walker trips over an exposed root on a paddock path, resulting in an injury claim.
A cyclist falls after hitting a pothole on an exercise track and claims for bike damage and medical treatment.

Key benefits of Paddock Liability Insurance for public access:

Protects against claims from visitors, riders, and event participants
Covers legal defence costs and compensation payments
Provides reassurance when allowing community or recreational access
Helps meet local authority or venue insurance requirements
Flexible limits to suit your visitor numbers and activities

Whether you hold horse shows, host riding lessons, or simply allow local walkers to enjoy your paddock, our specialist insurance gives you the confidence to welcome the public safely.

Liability Cover for Unoccupied Paddock Buildings

Many paddocks include unoccupied or seasonal-use structures such as shelters, feed stores, or small barns. Even when not in use, these buildings can present safety risks to visitors, trespassers, or contractors.

At Quote Monkey, we can include liability cover for unoccupied buildings as part of your paddock insurance policy. This protects you financially if someone is injured or their property is damaged because of these structures.

Paddock Unoccupied Buildings Liability Insurance — Possible example claims include:

A contractor trips on loose flooring in an empty feed store and suffers a serious injury, leading to a claim.
A trespassing child climbs onto the roof of an unused barn, falls, and claims damages.
A delivery driver is injured by a falling door while accessing an unoccupied shelter, resulting in a compensation claim.

Key benefits of Paddock Liability Insurance for unoccupied structures:

Protection against injury or property damage claims related to unused buildings
Covers legal expenses, medical costs, and settlement payouts
Peace of mind even if structures are not regularly maintained
Helps you meet safety and legal obligations if land is accessed by others
Flexible options to suit different building types and conditions

Even if your shelters or storage buildings are empty, they remain your responsibility. Without proper liability insurance, a single incident could result in serious financial loss and legal complications.

At Quote Monkey, we specialise in supporting paddock owners and understand the challenges that come with managing rural properties and buildings. Our policies are clear, flexible, and easy to arrange online, so you can secure the right protection with total confidence.

At Quote Monkey, we specialise in supporting paddock owners and understand the challenges that come with managing rural properties and buildings. Our policies are clear, flexible, and easy to arrange online, so you can secure the right protection with total confidence.

Other Types of Land Insurance We Offer

Explore our specialist insurance options for landowners, leisure parks, and site operators across the UK:

Frequently Asked Questions – Rural Landowners Insurance