CHAPTER XII

OTHER INDEMNITIES (II)

In this chapter the remaining indemnities are studied. There
is no significance in the order and the alphabetical sequence is
continued.

ESTATES AND FARMS

The owners or occupiers of country estates and farms may find
themselves liable to pay compensation to others for accidents
arising not only from the negligence of their employees or by
reason of defects in buildings but also on account of accidents
caused by falling trees or branches. Where the land abuts on
public highways, with overhanging elm trees or other trees
known to develop defects, or where such trees are in proximity
to the premises of others, to footpaths or other rights of way, the
risk of accidents from these sources may be considerable. There
may also be liability for the upkeep of open drains, ditches and
hedges, all of which may prove to be sources of claims. The
fact that claims may arise out of the letting of pastures to
farmers, and in respect of illness caused to their animals by eat-
ing unconfined yew or other deleterious trees may be relevant,
so far as regards estates.

The indemnity is wide enough to include liability for
accidents occasioned by straying sheep, cattle and horses, and
droving risks. The indemnity can be extended to cover fatal
injury to certain of the insured's animals in specified circum-
stances (see question 7 below).

A survey is usually made, and premiums are charged on
acreage, divisible into wooded, arable and pasture land. If
necessary, an extra charge is made based on wages for hazardous
work, such as that connected with quarries.

PROPOSAL FORM

1. Status. Is the Proposer the
Owner, Agent or Tenant?

This is a guide to the possible extent of liability.

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