Short story is that we've inherited a 'house' and land that needs to be cleared in due course, but this needs to be planned and scheduled as we've just taken over as administrators (and it'll of course take time to get done)
There's no point in getting property insurance itself because there's nothing there of value. But, all buildings on the property are complete death traps (eg. biohazards and high risk buildings like badly damaged shipping containers, flimsy sheds that could collapse, and the 'house' itself could fall down if someone as much as pissed against it).
Resultingly we're worried that if someone decides to get in and squat, or goes in to case the place to burgle the ephemera there, that we're going to wind up liable for anything bad that happens to them; so we've been looking into public liability insurance just to protect ourselves; but seemingly insurance companies only seem to offer it to businesses - and not private customers.
Does anyone know what the most appropriate insurance option would be in this situation, or have any recommendations for a company that'll just do a 'cover your asssss' policy?
Thanks in advance.
If it's too hard, get the lowest sum insured possible (might need to explain to customer service staff). The public liability cover is still fixed at $10m or whatever it is.
Perhaps try a broker as well (to explore retail and business cover).