Property Owners Liability
If you are an owner or occupier of a building it is important to know the various covers available to you under Buildings & Contents Insurance Policies. Liability insurance generally protects property owners and landlords against claims made against them in respect of their legal liability for personal injury or property damage suffered by third parties and arising out of their ownership of the property. For example, if a roof has not been sufficiently maintained and a tile or slate hits a member of the public or falls on a parked car. Another example could be where a tenant occupying the building injures themselves within the property as a result of insufficiently maintained communal stairs.
Property Owners Liability is automatically provided under the Buildings section of the policies we offer. This is with a standard limit of indemnity at £5,000,000. However lower limits of indemnity are available upon request. Although Property Owners Liability is the correct term to use, you may find it referred to as Public Liability cover.
You should however be aware that even if you have Property Owners / Public Liability insurance in force, as an owner or occupier of a building it will still remain your responsibility to ensure that sufficient measures are taken to prevent a claim from occurring.
We have either Delegated Underwriting Authority or agency arrangements with some of the UK’s top insurance companies: