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Timberland Liability Insurance from Outdoor Underwriters was developed to help protect your valuable timberland investments. This liability program provides legal liability coverage for timberland owners and was designed to provide general liability protection for owners of vacant timberland.
Under the common law a landowner has a duty to inspect the property, remove hidden dangers, keep the property in reasonably safe conditions, and to take precautions to protect a user from foreseeable danger whether they be:
- Invitees - person expressly invited on the property for a business purpose.
- Licensees - a social guest, or
- Trespassers - uninvited guests insured to a lesser degree.
The insurance agreement used to provide coverage states “pay on behalf of the insured all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage" caused by an occurrence arising out of the ownership or use of the designated timberland. The legal obligation clause is a broad insurance statement that provides legal protection to landowners that may be held legally obligated or responsible for a negligent act.
The legal liability coverage provided within the program is shaped by the exclusions and conditions presented in the policy, examples of these exclusions are bodily injury and property damage arising out of the use of:
- Workers compensation
- Assault & battery
- Commercial hunting
All coverages are subject to the terms, conditions, and/or exclusions presented in the policy.
- Owners, landlord, and tenant liability
- Liability limit to $1,000,000 per occurrence
- Special master policy rating basis
What are the advantages of a Timberland Liability policy through OUI?
Timerland liability coverage provides affordable liability insurance for the timberland owner offering a comprehensive package to assist clients on maximizing returns on forest investments.