Landlord liability insurance

Property owners' liability insurance

Landlords face a unique set of risks every day – and some of those risks are potentially very expensive. If your property causes injury or damage to a tenant or visitor, you’re likely to be liable. However well prepared you are, accidents do happen – and a single compensation claim can be financially crippling. With Simply Business, public liability insurance for landlords - also known as landlord liability insurance or property owners' liability insurance - can help make sure you're protected, leaving you free to get on with day-to-day issues.

What does landlord liability cover?

• Landlord liability insurance covers you against the cost of claims arising from injury or damage suffered by a tenant or visitor as a result of a fault in your property
• Accidents of this sort can be caused by the simplest things – a tile out of place, or a trailing wire – so it’s important that you’re properly protected
• You can build a flexible landlord insurance policy around your liability cover, adding other types of insurance such as buildings cover and fixtures and fittings protection

Details to look out for on your policy

• Make sure you read and understand any exclusions to your policy. Simply Business offers you the chance to read the policy documents in full before you buy
• Remember that you may have an obligation under your tenancy agreements to purchase landlord buildings insurance
• Consider adding landlord contents insurance to make sure that items such as furniture, fixtures, and fittings are protected