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Landlord public liability insurance, landlord liability insurance or public liability insurance for rental property as it’s also known, protects landlords against the public liability risks they face when renting out a property. It offers protection from compensation claims for injury or damage relating to their rental property and it can cover accidents and incidents such as:
- A tenant slipping on a loose floorboard in a communal area such as a hallway
- Someone’s property being damaged by a tile being blown off your roof
- A visitor tripping over a loose paving slab in the garden path
- A tradesperson being injured while working on the property
Landlord public liability insurance can cover the cost of legal fees associated with the claim as well as any compensation awards. Compensation claims, particularly for injuries, can be extremely high. A broken arm can attract payouts of up to £24,000 while something more serious, such as a back injury, can be closer to £200,000. As a landlord, you’d be wise to have landlord liability insurance in place. Landlord liability insurance can be arranged with policy limits of £1m to £10m or even more if required.
Landlord public liability insurance is a complex area of insurance and it’s important to get it right. To help you get the cover that’s right for you, here are our landlord liability insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us on 01482 434343 or request a callback. Our team of landlord insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.