(Insurance/Personal-Property)
If you own a piece of land then should anyone get injured on that land then they may decide that it is your fault as the land owner and try to claim money from you either for their injuries or damage caused to them.(PersOnal PropeRty) As it is a type of Public Liability Insurance then for there to be a claim against the policy the person who was injured would have to prove that the land owner was the reason for their injuries either by not looking after the land properly or by allowing there to be things on the land, like potholes, that can cause injury to people walking on the land.
