Vacant Land Insurance

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Public liability insurance for a vacant block

If you’ve invested in a block of vacant land it is important to ensure you are protected financially if something goes wrong.

You could be liable if someone injures themselves whilst on your land, even if they’re an uninvited guest.

Likewise if someone suffers damage to their property as a result of your ownership of the vacant land, you could find yourself liable.

Thankfully there is an extremely cost effective way of protecting yourself, by taking out public liability cover.

What’s the cost?

The cost of taking out public liability insurance for your vacant land is incredibly cheap.

Given the minimal cost of public liability insurance, it would seem crazy not to protect yourself.

The cost of not insuring your land could be enormous. Imagine if someone was to suffer a critical injury or lose their life on your land, and you were found to have been negligent.

A claim against you in this case could stretch into the millions, but with $20 million worth of public liability protection you can rest assured.


The restrictions on what types of vacant land can be insured at these low premiums are fairly minimal.

The block must be free of structures, however this does not extend to items such as letterboxes, fences, retaining walls and landscaping.

There must be no type of business or enterprise being undertaken at or from the land.

Other potential limitations may apply if the land has previously been used for landfill or has been classified as a contaminated site at any time.

Getting a quote

To obtain a quote on insurance for your vacant block simply call our office on 1300 542 245 and we’ll be happy to help.

Frequently Asked Questions

In some respects public liability insurance is very straightforward, but once you scratch the surface it can actually be a very complex area with many potential complications.

As part of our quest to make this important form of insurance easier for Australian small business owners and operators to understand we are in the process of putting together a list of the most commonly asked questions.

Please keep in mind that this FAQ contains very generalised answers and should in no way be seen or used as a substitute for proper advice from a qualified insurance broker or adviser.

If you would like to add a question to the list please contact us.

Public liability insurance covers a range of risks, with the major ones being property damage and personal injuries caused to other people as a result of your business activities.

You can read more by visiting our ‘what is public liability insurance‘ page.