Definition - What does Easement mean?
An easement is a legal right of passage or right of use that one party has on a specific portion of another party's land or property.
The concept is important for insurers, since the party who has the easement right is often the party who holds the liability for the property and, therefore, carries the liability insurance.
Insuranceopedia explains Easement
Many people who have easements are neighbors of the property owner who use the property for logistical reasons. For example, a person may have to cut through their neighbor's property in order to reach their own. In such a circumstance, they may be granted an easement which legally entitles them to travel through their neighbor's property to access theirs.
Which party is liable for the property will depend on the individual easement and its terms.