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SUMMARY OF COVERS AVAILABLE
TERMS & CONDITIONS
BUSINESS ASSOCIATES
WOODLAND OWNER RESPONSIBILITIES
TO VISITORS
KNOW YOUR LIABILITIES
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KNOW YOUR
LIABILITIES
Extracts from 'The Law and Visitor Safety', chapter 9 of 'Managing Visitor
Safety in the Countryside - Principles and Practice', a publication of
the Visitor Safety in the Countryside Group.
Under Section 2(2) of the Occupiers' Liability Act of 1957 (OLA57), the
occupier has "a duty to take such care as in all the circumstances
of the case is reasonable to see that the visitor will be reasonably safe
in using the premises for the purposes for which he is invited or permitted
by the occupier to be there"
Under the OLA57 and OLA84, the occupier of premises (the woodland owner)
owes a duty of care to lawful visitors and trespassers, by reason of the
state of the premises and things done or omitted to be done on them. In
Scotland the same duty of care is owed under the Occupiers' Liability
(Scotland) Act 1960.
'Premises' includes buildings, land, and 'any fixed or moveable structure,
including any vessel, vehicle or aircraft'. Bodies of water on the land,
(such as lakes, ponds and canals) can also be premises.
The 'Occupier' is the person or body that has sufficient control over
the premises to be in a position to take the steps necessary to protect
people who otherwise may be at risk (i.e. the woodland owner/s). If you
own and are in sole possession of the land you are clearly the occupier.
(A landlord, however, retains a duty of care to people affected by defects
in the woods that were created before the property was let, and even after
in some circumstances). If there is more than one occupier (i.e. more
than one owner) each owes a duty of care that is in relation to the degree
of control each has over the land.
An occupier (woodland owner) may have some liability for an accident on
adjacent land if aware of a danger that is not readily apparent to a visitor.
If there is ready access from the occupier's land, the occupier may have
a duty to prevent the visitor straying into danger. Visitors and trespassers
must take reasonable care for their own safety. Negligence on their part
can be set against the liability of the occupier.
You are not liable for risks that are willingly accepted by a visitor
or trespasser, e.g. when a member of a climbing club is rock climbing.
However, they are not accepting any additional risks that arise out of
your negligence.
Crop spraying (farmers). It is a condition that in respect of crop spraying
by or on behalf of the Insured on the Insured's own land that all reasonable
precautions are taken to prevent loss of or damage to stock and crops
belonging to owners of adjacent properties. Also that notice is given
to the owners of animals likely to be present in fields or areas bordering
those to be sprayed of the Insured's intention to carry out spraying operations.
Due to the continuing adverse climate conditions being experienced in the UK owners are reminded that they are required to inspect their woodlands regularly to assess for damage or disease to ensure the public are safe.
NB:
1. In the event of an accident the occupier (owner) will need to demonstrate that
his/her actions were reasonable in the circumstances.
2. You must consider the particular needs of people you invite onto your
property.
3. You must be able to demonstrate that your precautions are reasonable
in the circumstances.
4. The historic nature of the premises can be relevant.
5. You may not have to warn of dangers when it is reasonable to assume
that they are obvious to the visitor.
6. You may not always have to fence hazards if they present an obvious
danger.
7. You must be prepared for children to be less careful than adults although
with young children the parent may hold the primary duty of care.
8. Warning a visitor of dangers might be sufficient to absolve you from
liability, but only if it was sufficient to enable the visitor to be reasonably
safe.
9. In some circumstances you can chose to restrict or exclude your liability
by imposing entry conditions.
10. Stiles or gates across footpaths or bridleways must be maintained
by the landowner in a safe and negotiable condition.
11. It is an offence to place barbed wire adjacent to a public right of
way where it is likely to cause injury to people legitimately using the
path.
12. You have a duty of care towards trespassers who are also able to claim
for personal injury.
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