| THE SCHEME
SUMMARY OF COVERS AVAILABLE
TERMS & CONDITIONS
BUSINESS ASSOCIATES
WOODLAND OWNER RESPONSIBILITIES
TO VISITORS
KNOW YOUR LIABILITIES
RURAL LINKS
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WOODLAND OWNER
RESPONSIBILITIES TO VISITORS
The following is for information only. If you have any concerns you are
advised to consult a solicitor with knowledge of countryside law.
Someone injured through your negligence can bring an action for damages
against you in a civil court. If you are found negligent, you may be ordered
to pay compensation for loss of earnings, medical expenses, pain, suffering
and the like. Individuals can face prosecution in a criminal court for
not complying with legal duties imposed by government legislation. You
can be fined, or even face imprisonment if found guilty in a criminal
court.
Claims for damages after accidents are reported to be on the increase,
with solicitors and accident claim practitioners touting for new business
by offering 'no win no fee' terms. The result is that alleged victims of accidents can sue owners of woods for compensation payments following alleged injuries.
Such claims arise from visitors and/or trespassers who suffer injury whilst wandering in woodland - whether remote or not,
whether fenced off or not and whether invited or not!
Also, the Countryside and Rights of Way Act, 2000 now gives people a new
right to walk over large areas of open countryside and common land and
means new responsibilities for those who visit and manage these areas.
You are reminded that the Royal & Sun Alliance Insurance plc policy
is for third party property owners liability only, it does not cover injuries
to volunteers doing any form of work in your wood, including friends and
family members. The law treats them as "employees" even though
they are usually unpaid, and you as the "employer". If you have
a requirement for this sort of activity you will need a different insurance
cover such as that provided by Zurich Municipal through BTCV Insurance
Services - Tel: 01302 572213 - or call Willis Ltd for a quotation on 0870 010 0410 - or see the Beech Tree Insurance contact details on the 'RURAL LINKS' page.
Similarly, contractors doing work in your wood are not covered by this
policy. They are legally bound to carry their own public liability insurance
and you are advised to ensure they have the appropriate valid cover.
Due to the continuing adverse climate conditions being experienced in the UK owners are reminded that they are advised to inspect their woodlands regularly to assess for damage or disease to ensure the public are safe.
Advice from the Broker is that owners are expected to periodically inspect
their properties and keep records of the dates and condition of the woods
and trees. Remedial work should be carried out immediately on any suspect
trees, etc., and it is advisable to employ a professional to survey the
wood on an annual basis and provide owners with a written report.
Willis Ltd have provided the following information that should be considered before making a claim:
"Public Liability cover kicks in, should the client be legally liable for
a loss caused on his land. In other words, if the loss is deemed to be
his fault.
If a property has been damaged by a falling branch from a tree belonging
to the client, then cover will only kick in, should the tree, that the
branch fell from, be diseased.
Obviously, a branch falling from a healthy tree cannot be our client's
fault, and he cannot be responsible for this. If, however, the tree was
diseased then it would be deemed to be his fault.
Therefore, for the claim to be successful, a tree surgeon would need to
examine the tree in question and give his opinion if the tree was indeed
diseased."
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