Property owners liability

Property owners liability insurance is cover of costs and expenses for accidental injury or loss of or damage to property that you are liable to pay arising from you being the owner of a property. This could be, for example, an uneven door step causes a visitor to your property to trip up and injure themselves. They may seek compensation from you as the property owner so it is important to ensure this is covered.

Cover for property owners liability normally comes as standard in most buildings policies such as landlords insurance and home insurance. It can also be purchased separately as a liability policy by itself. The standard buildings cover itself does not cover liability but it will normally being an extra section covered by your policy. Always check with your insurance advisors to make sure you have this cover in place. Most companies should provided £2,000,000 cover as standard but you may be able to amend this is you feel cover is too high or low.

When we refer to costs and expenses incurred in such a claim, this means anything from damage or injury compensation to the claimant upto court costs and any other legal fees. There may be certain restrictions and exclusions so be sure to check your policy wording thoroughly before proceeding with any policy. Never assume that everything is automatically covered.