Start smart. Scale strong. Stay protected.
1300 475 092 hello@withpocket.com.au
With Pocket
Insurance
Cyber Insurance Trades Liability Tax Audit Vacant Land
How it works Talk to us
Public liability for vacant landowners

Own vacant land?
You're still liable if
someone gets hurt.

Simple, affordable public liability insurance for landowners. Protect yourself from claims for injury or property damage on your vacant block — even if you're not doing anything with it.

Get an instant quote → See what's covered

Vacant land liability — your exposure

$75,000+

Average cost of a personal injury claim on vacant land, including legal defence and compensation. Even a trespasser can hold you liable.

🏗
Trespasser injury Covered
🔥
Fire spreading to neighbours Covered
🌳
Falling trees / debris Covered
⚖
Legal defence costs Covered
✓
Underwritten by leading insurers
✓
AFSL 491165 — licensed in Australia
✓
Quote & bind online in minutes
✓
Cover up to $20M per claim

Types of land this quote can support

From empty blocks to some low-intensity land uses

These are the land types available in the online quote path. Eligibility and cover still depend on your application answers, your policy schedule, and the policy terms, conditions, and exclusions.

✓
Agistment of Cattle/Horses - up to 100 Animals
✓
Hobby Farms
✓
Land used for camping
✓
Land for sale for residential or commercial development (Excluding Construction / Development Activities)
✓
Land used for Market Stalls
✓
Purely Vacant Land
✓
Unsealed Car Parks - Not constructed car parks
✓
Vacant Residential Buildings

Who needs vacant land insurance?

If you own land and someone could access it, you need this cover

🏠
Investors holding vacant blocks
Even if you're waiting for the right time to build or sell, you're liable for what happens on your land.
📋
Developers awaiting approval
Cover for the period between purchase and construction commencement.
🔑
Property owners between tenants
Your existing landlord policy may not cover vacant periods between leases.
📈
Land bankers & speculators
Holding land as an investment doesn't reduce your legal exposure.
🌾
Farmers with vacant paddocks
Unused paddocks and rural blocks still attract trespassers and liability.
📜
Estates with vacant property
Administering an estate? You may be personally liable for property in the estate.

What's covered

Comprehensive protection for vacant landowners

✓
Public liability
Claims for injury or property damage arising from your ownership of the land — up to $20 million per claim.
✓
Trespass incidents
Liability claims involving people who enter the land without permission, subject to the policy terms and exclusions.
✓
Property damage
Damage to neighbouring properties caused by conditions on your land — fences, sheds, vehicles, and more.
✓
Natural hazards
Claims from falling trees, grass fires, or landslides originating on your property.
✓
Legal defence costs
Legal costs incurred by Agile, or by you with Agile's written consent, for covered liability claims.
✓
Australia-wide cover
Protection for vacant land anywhere in Australia — residential, commercial, rural, or industrial.

Real scenarios

How claims happen on vacant land

The shortcut injury
Claim: $75,000

Kids use your vacant block as a shortcut to school. One trips over rubble and breaks their leg. The parents allege the site was not reasonably maintained.

Coverage: The policy may respond to covered compensation and agreed legal defence costs if you are legally liable.
The fire spread
Claim: $45,000

A grass fire starts on your vacant land and spreads to your neighbour's property, damaging their fence and shed.

Coverage: Covered property damage liability may respond, subject to the policy terms, conditions, and exclusions.
The falling tree
Claim: $35,000

A dead tree on your land falls during a storm, crushing a car parked on the neighbouring property. The owner claims you failed to maintain the land.

Coverage: The policy may respond to covered property damage liability and agreed defence costs.
The boundary damage
Claim: $25,000

A loose fence panel or unsecured item from the block damages neighbouring property during bad weather.

Coverage: Covered liability can include compensation for third-party property damage, subject to the policy wording.

What's not covered

Know the limits of your policy

✗
Construction and development works
Construction, excavation, alteration, demolition, renovation, or active development works need different cover.
✗
Deliberate acts
Intentional damage or illegal activity on your part is never covered.
✗
Pollution and contamination limits
Pollution, contamination, clean-up, and asbestos claims are limited by specific exclusions in the policy wording.
✗
Some commercial or industrial uses
Certain low-intensity uses can be quoted online, but higher-risk commercial, industrial, or operational activities may need different cover.
✗
Employee injuries
Workers' Compensation is required if you have employees working on the land.

How it works

Get covered in 3 simple steps

1
Answer a few questions
Tell us about your property — land type, size, location, and the cover level you need. Takes about 2 minutes.
2
Get your quote
We'll generate an instant quote based on your property details. No paperwork, no phone calls.
3
Pay & activate
Accept your quote and pay online. Your certificate of currency is issued instantly.
Get an instant quote →

Frequently asked questions

Common questions about vacant land insurance

Do I really need insurance if the land is just sitting there? +
Yes. Land ownership can create legal liability for injury or property damage connected with the land, even when it is not actively being used. The policy responds subject to the application answers, schedule, terms, conditions, and exclusions.
What if I have 'No Trespassing' signs? +
Signs, fencing, and maintenance records can help show you are managing the risk, but they do not remove the need to consider liability cover. If something happens, notify us promptly and do not admit liability before the insurer investigates.
I'm planning to develop soon. Is this the right cover? +
It can be suitable while the land is being held or awaiting approval, but not once construction, excavation, alteration, demolition, renovation, or active development works begin. At that point, you may need Contract Works Insurance or another policy.
Does this cover low-intensity uses like agistment, camping, or market stalls? +
The quote path can support certain eligible low-intensity land uses, including those shown on this page. Eligibility still depends on your application answers and the policy schedule, terms, conditions, and exclusions. Some commercial, industrial, or higher-risk uses may need different cover.
What if the land is in a bushfire zone? +
The policy may respond to covered liability for injury or property damage arising from the land, subject to the policy terms and exclusions. You should still maintain firebreaks and comply with council or statutory requirements.
What are the coverage limits? +
You can choose from $5 million, $10 million, or $20 million per claim. Legal costs are handled in line with the policy wording, including costs incurred by Agile or with Agile's written consent. Excess starts from $500.

Protect your vacant land today

Quote in 2 minutes. Certificate issued instantly. Cover starts when you need it.

Get an instant quote → Speak to a broker

Need help?

Talk to a broker

Not sure if this is the right cover? Planning to develop? Our brokers can help you find the right policy for your situation.

📞 1300 475 092 hello@withpocket.com.au

Monday – Friday, 9 am – 5 pm AEST