Property Owners Liability is an important part of Let Property Insurance and a vital aspect of the cover you need to give you peace of mind in the unfortunate event of a claim. I would like to take this opportunity to clarify the key differences between the different types of Liability cover available and how Property Owners Liability is applicable to your Let Property Insurance policy.

Property Owners Liability: – Property Owners liability (which we offer as standard at a limit of £2 million on our policies) covers you against damages awarded as a result of a member of the public suffering an injury following an accident relating to your premises.

Public Liability Insurance: – Public Liability Insurance covers any damage or injury caused to a member of the public following actions by you, or your business. Where this would differ in comparison to Property Owners Liability is that the Property Owners Liability would cover you against damage or injury caused in relation to your premises, as opposed to you or your business (which would be classified as Public Liability).

Employers Liability Insurance: – Employers Liability covers businesses and employers in the event that an employee is injured at work, or made ill as a result of their employment.

Products Liability Insurance: – Products Liability covers against compensation awarded as a result of damage or injury caused by the client’s product. For example, if a company that produces hair shampoo had released a shampoo that caused somebody’s hair to fall out, then they would be covered against any compensation or damages claimed by that person.

Professional Indemnity Insurance: – Professional Indemnity covers a business against a claim for damages of injury made by a third party following negligent and incorrect advice given to them by that business.

This clarifies a few of the different Liability covers that are available and how they relate to the different needs and requirements to different people. The liability cover that applies in relation to your Landlords Insurance is Property Owners Liability.

If you have any queries regarding your Property Owners Liability cover, or anything else regarding your Landlords Insurance Property Owners policy, please do not hesitate to contact a member of the team on 0800 970 7172 and we will be happy to help.

Many Thanks,

Robin