Property owners' liability
- Recurring
The short answer
Public liability for owners and freeholders
- Price from
- £80.00
- Time on site
- 15 to 30 minutes for a quote
What you get
You get a tailored insurance policy providing financial protection against third-party claims arising from your property ownership.
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When do you need a Property owners' liability?
Property Owners' Liability is essential for anyone who owns a property that others might visit, including landlords, freeholders, and commercial property owners. It's especially crucial before tenants move in or if the property is open to the public.
What happens on the day
The process involves providing details about your property and its use to an insurance broker online or over the phone. They will then assess the risks and provide you with a suitable quote and policy options.
How to prepare
- Property address and type (e.g., residential, commercial)
- Details of tenancy agreements if applicable (e.g., single let, HMO)
- Information on any communal areas or public access
- Previous claims history for the property
- Desired level of cover and excess options
How to improve your result
- Maintain your property regularly to reduce the risk of accidents.
- Ensure all pathways and communal areas are well-lit and free from hazards.
- Clearly mark any potential dangers or changes in floor levels.
- Review your policy annually to ensure it still meets your needs.
Why it is useful day to day
Provides peace of mind knowing you're protected against potentially high legal costs and compensation claims should an incident occur on your property, ensuring your financial stability.
Why we ask these questions
We ask about the property type, use, number of occupants, and any specific hazards to accurately assess the risk level and tailor the policy. This ensures you get adequate cover for potential claims.
Frequently asked questions
Often needed alongside
- Recurring
Landlord insurance
Buildings, contents and liability for let property
- Recurring
Block & leasehold insurance
Buildings cover for blocks of flats
- Recurring
Commercial property insurance
Offices, shops, industrial units
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
- Recurring
Contents insurance
Cover for belongings
- Recurring
Residents' management company D&O insurance
Directors' cover for RMC and RTM boards
- Fixed price
- Recurring
Reinstatement cost assessment
Rebuild value for insurance
- Recurring
Rent guarantee insurance
Covers lost rent if tenants don't pay