Complicated public liability question

[FlorayG]

A friend of mine rents a field for her horses and has bought a field shelter for them to put in it. So she owns the shelter but doesn't own the field.
With the recent storms she's a bit worried in case said shelter 'takes off' as many have and perhaps goes far enough to clear the hedge and hit a car or a person
She's wondering about her liability? She's asked about public liability for the whole land but nobody will accept her because she doesn't own the land. Is it the landowner's 'fault' if her shelter causes damage? Or hers?
Who is responsible if the worst should happen? Even shelters that were well anchored were lost in storm Eunice so nobody could claim it was rickety (which it isn't, it's brand new)

[Tinks2014]

Would it not be the same principle for those that own their homes but the land is not freehold ?

[FlorayG]

Originally Posted by Tinks2014

Would it not be the same principle for those that own their homes but the land is not freehold ?

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I doubt it because a lease has a legally set length of time and it's usually a long one. Renting has only a short notice term and no rights to stay (not on grazing land, anyway)

[June8th]

Try the NFU. They do a land away policy which might be ok for her. If not they might be able to help her.

[FlorayG]

Originally Posted by June8th

Try the NFU. They do a land away policy which might be ok for her. If not they might be able to help her.

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She did. They will only insure the land for the landowner

[Lou1982]

Maybe ask the landowner to insure and include the premium cost in her rent?

[FlorayG]

Originally Posted by Lou1982

Maybe ask the landowner to insure and include the premium cost in her rent?

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But who is liable? It's not his field shelter so would any damage it causes be covered by his land insurance? I'm really asking to find out WHO is liable, not ideas as to who to try to get insurance from

[Lou1982]

Originally Posted by FlorayG

But who is liable? It's not his field shelter so would any damage it causes be covered by his land insurance? I'm really asking to find out WHO is liable, not ideas as to who to try to get insurance from

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I was trying to simplify matters by providing a practical solution.

Your friend could be liable if property she owns or is responsible for causes damage or injury.

The landowner could be liable also, depending on where damage or injury occurs.

[Chunky81]

Personally thinking In this case as long as it’s been built and secured properly and gets maintained I wouldn’t worry about it as your friend will have taken all precautions to prevent such issues. Too much blame game these days .

[tspill]

She should have insurance and a tenant of the land.

We rent out land and all liability was with the tenant. We recently freed the land up for sale so when the tenants left we carried our own liability insurance.