Landlord Liability Insurance Backed By ‘Exceptional’ Service
Want to save money on your landlord liability insurance? Let the landlord insurance specialists at Coversure compare our markets to find you the landlord public liability insurance that’s right for you.
No matter what type of rental property you have, be it a buy-to-let home or a commercial property, call us on 01482 434343 or request a callback and let our award-winning team help you get the landlord liability insurance you need.
Landlord Liability Insurance Backed By ‘Exceptional’ Service
Want to save money on your landlord liability insurance? Let the landlord insurance specialists at Coversure compare our markets to find you the landlord public liability insurance that’s right for you.
No matter what type of rental property you have, be it a buy-to-let home or a commercial property, call us on 01482 434343 or request a callback and let our award-winning team help you get the landlord liability insurance you need.
Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Landlord Liability Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of rental property insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback, or start your landlord public liability insurance quote today.
Why choose Coversure for your Landlord Liability Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of rental property insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback, or start your landlord public liability insurance quote today.
What is Landlord Public Liability Insurance?
What is Landlord Public Liability Insurance?
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.
How much Landlord Public Liability Insurance do you need?
The amount of liability cover you need will depend on factors, and we’ve outlined these here.
The easiest way to get the right amount of public liability insurance is to get some independent advice. If you have a specific property in mind, then please get in touch by calling us on 01482 434343 or request a callback. Our team of landlord insurance specialists will be happy to get to know your needs and provide you with a landlord liability insurance quote that’s right for you.
The number of properties you own – the more you have, the greater the risk of something happening
Where your properties are – ones that are in city centres with lots of visitors/passersby, represent a greater risk
The number of tenants you have – more tenants will mean more people coming and going, and so present a greater risk
If you have commercial properties – local authorities often set landlord liability limits for commercial properties of at least £2m
The number of tenants you have – more tenants will mean more people coming and going and so present a greater risk
The type of tenants you have – if you have professional tenants who can sue for loss of earnings, then you may need higher levels than if you are renting to those on state benefits or asylum seekers
How much Landlord Public Liability Insurance do you need?
The amount of liability cover you need will depend on factors, and we’ve outlined these here.
The easiest way to get the right amount of public liability insurance is to get some independent advice. If you have a specific property in mind, then please get in touch by calling us on 01482 434343 or request a callback. Our team of landlord insurance specialists will be happy to get to know your needs and provide you with a landlord liability insurance quote that’s right for you.
Call us today on 0800 977 6037 and let our award-winning team help you.
What types of landlords can Landlord Public Liability Insurance cover?
Landlord liability insurance through can protect all kinds of landlords, including:
Buy-To-Let Landlords
With houses, flats or an entire portfolio of properties
Commercial Landlords
Those with shops, offices, industrial units, bars, restaurants, etc.
Landlords with a mixed portfolio
We can offer landlord liability insurance to landlords with a mixture of commercial and residential properties
What types of landlords can Landlord Public Liability Insurance cover?
Landlord liability insurance through can protect all kinds of landlords, including:
Buy-To-Let Landlords
With houses, flats or an entire portfolio of properties
Commercial Landlords
Those with shops, offices, industrial units, bars, restaurants, etc.
Landlords with a mixed portfolio
We can offer landlord liability insurance to landlords with a mixture of commercial and residential properties
Buy-To-Let Landlords
With houses, flats or an entire portfolio of properties
Commercial Landlords
Those with shops, offices, industrial units, bars, restaurants, etc.
Landlords with a mixed portfolio
We can offer landlord liability insurance to landlords with a mixture of commercial and residential properties
How much does Landlord Liability Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your landlord liability insurance quote will depend on things like:
How many properties do you have
Whether they are commercial, residential or both
How many tenants you have
What type of tenants you have
The policy limit you want to set, e.g. £1m, £2m, etc.
Your claims history
The level of excess you’re willing to pay
How to get cheaper Landlord Liability Insurance?
The easiest way to get cheaper landlord public liability insurance is to use a specialist independent insurance broker such as Coversure. With our knowledge of the market and insurer relationships, we can help you get cheaper cover. Other ways include:
Increase your excess, the amount you pay in the event of a claim
By renewing your policy early to give your broker time to shop around for you
Get a multi-property insurance policy if you have more than one property to insure
Choosing lower policy limits, if possible
Use an independent property insurance broker such as Coversure. We can not only do the shopping around for you, but thanks to our network of insurer contacts we can access policies that aren’t available to the public
Conduct a risk assessment with your broker
Maintaining your property to reduce the risk of a claim
How to get cheaper Landlord Liability Insurance?
The easiest way to get cheaper landlord public liability insurance is to use a specialist independent insurance broker such as Coversure. With our knowledge of the market and insurer relationships, we can help you get cheaper cover. Other ways include:
Increase your excess, the amount you pay in the event of a claim
By renewing your policy early to give your broker time to shop around for you
Get a multi-property insurance policy if you have more than one property to insure
Choosing lower policy limits, if possible
Use an independent property insurance broker such as Coversure. We can not only do the shopping around for you, but thanks to our network of insurer contacts we can access policies that aren’t available to the public
Conduct a risk assessment with your broker
Maintaining your property to reduce the risk of a claim
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01476 565 590.
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
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.
No, but if you have a commercial property then the local authority may insist you have at least £2m worth of cover
While it’s not a legal requirement, accidents happen, people can be hurt, and property damaged. The costs of compensation can be significant, so you’d be wise to have cover in place
That will depend on the type of property you have, the type and number of tenants, and other factors such as its location and if your local authority specifies a limit. The best way to get the correct policy limits for your rental property is to get some independent advice. If you have a specific property in mind, then please get in touch by calling us on 01482 434343 or request a callback
We can offer cover to landlords with all kinds of property, commercial, residential and those with mixed portfolios
That will depend on things such as:
- The type of property you have
- The number of properties you have
- The number of tenants you have
- Where the property is
- The policy limit you would like
Getting a quote is easy. You can start your landlord liability insurance quote here, call us on 01482 434343 or request a callback
No, but if you have a commercial property then the local authority may insist you have at least £2m worth of cover
While it’s not a legal requirement, accidents happen, people can be hurt, and property damaged. The costs of compensation can be significant, so you’d be wise to have cover in place
That will depend on the type of property you have, the type and number of tenants, and other factors such as its location and if your local authority specifies a limit. The best way to get the correct policy limits for your rental property is to get some independent advice. If you have a specific property in mind, then please get in touch by calling us on 01482 434343 or request a callback
We can offer cover to landlords with all kinds of property, commercial, residential and those with mixed portfolios
That will depend on things such as:
- The type of property you have
- The number of properties you have
- The number of tenants you have
- Where the property is
- The policy limit you would like
Getting a quote is easy. You can start your landlord liability insurance quote here, call us on 01482 434343 or request a callback
