Landlord's Liability Insurance
Landlord's Liability Insurance can be split into three sections:-
- Landlord's Public Liability insurance for buildings.
- Landlord's Contents Liability insurance for contents.
- Employer's Liability insurance.
Landlord's Liability Insurance for buildings is generally not available as a stand alone policy and is normally incorporated into your landlords building insurance. This part of the policy is intended to cover your legal liability should your tenant or indeed any person on your premises suffer an injury on or related to your property.
Landlords Contents Liability is generally not included in a landlord's contents policy and is not generally available on a stand alone basis. The most common way for people to protect against contents liability claims is by adding contents liability to a standard landlord's contents policy.
Employer's Liability Insurance the majority of buy to let insurance policies provide basic employers liability insurance cover although this is generally restricted to domestic employees. Should you require additional cover for other staff, such as administrators or maintenance people you would need to buy a specialist policy to cover this. If you require further advice on this area please do not hesitate to contact us.