We have an unoccupied house on 1 acre which is being renovated. It has proved very difficult to get house insurance for same. All companies will only provide cover for fire only and will not provide cover for public liability.
We have ensured that all building contractors etc have their own insurance but I am very concerned about the consequences for public liability if for example the post man , a neighbour or intruder fell and broke their leg whilst walking down the drive. ( sometimes the new neighbours call in to say hello when we are on the premises).
In order to reduce risk and eliminate hazards as much as possible, we have locked the gate , put a letterbox on the fence and have the relevent site notices re building work. In addition we have removed any trees that were likely to fall down in strong winds etc.
I am wondering how we can protect ourselves for public liability ?
We have ensured that all building contractors etc have their own insurance but I am very concerned about the consequences for public liability if for example the post man , a neighbour or intruder fell and broke their leg whilst walking down the drive. ( sometimes the new neighbours call in to say hello when we are on the premises).
In order to reduce risk and eliminate hazards as much as possible, we have locked the gate , put a letterbox on the fence and have the relevent site notices re building work. In addition we have removed any trees that were likely to fall down in strong winds etc.
I am wondering how we can protect ourselves for public liability ?