A hidden obligation for landowners. The punishment will come sooner than you think
Do you have over 1 hectare of land? Even without crops, you must have third party liability insurance. Lack of insurance in 2026 means a financial penalty.
In 2026, the regulations will apply to all owners of agricultural land with an area exceeding 1 hectare. Importantly, this obligation also applies to people who do not conduct agricultural activity. The mere fact of owning land is enough to require purchasing appropriate insurance.
Failure to meet this requirement may lead to financial consequences. Landowners must therefore check whether they are subject to the obligation and whether they have a current policy.
Mandatory farmer’s liability insurance 2026 – who does it apply to?
According to the applicable rules, every owner of a farm exceeding 1 ha must have civil liability insurance. It does not matter whether the land is cultivated or left unused.
The obligation results solely from the size of the property owned. The policy is intended to protect against damage caused to third parties in connection with the ownership of the farm.
What does the farmer’s mandatory third party liability insurance cover 2026?
The insurance covers both personal and property damage. Security works, among others: in situations related to field work, handling animals or other activities performed on the farm.
It also applies to events such as accidents resulting in loss of health or life, property damage or collisions on public roads involving farmers’ vehicles. In 2026, the guarantee amounts are high – for personal injury they amount to PLN 29,876,400 and for property damage – PLN 6,021,600.
Mandatory farmer’s liability insurance 2026 – what it does not cover
It is worth remembering that the policy does not protect against all events. Does not include, among others: damage resulting from infectious diseases not related to animals, financial penalties or environmental pollution.
The protection does not apply to the loss of money, entrusted items or destruction of machines. Therefore, before signing the contract, it is worth reading its terms carefully.
Penalty for lack of farmer’s third party liability insurance 2026
The insurance contract is usually concluded for a year and can be automatically renewed. However, it will not be extended in the event of sale of the farm, termination of the contract or failure to pay the premium.
Lack of compulsory insurance carries a financial penalty. In 2026, it amounts to PLN 480 and is related to the minimum wage. The fee is imposed by the Insurance Guarantee Fund, similarly to the case of lack of third party liability insurance for drivers.
Mandatory farmer’s liability insurance 2026 – why it cannot be ignored
Although the obligation does not depend on running an agricultural activity, failure to fulfill it may quickly translate into additional costs. Landowners should therefore make sure that they meet the requirements arising from the regulations.
In practice, this means the need to regularly check the validity of the policy and its scope. Even minor negligence can result in penalties and problems if damage occurs.
