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I have never had public liability insurance but heard a horror story recently about tenant suing landlord for injury sustained in their rented property. Has anyone had a claim of this sort and is there a real need for public liability insurance?
I`ve never claimed personally.
But I have got it and suggest you get it for tenants / their visitors and trades people you send in
Better safe than sorry
Jonathan Clarke. http://www.buytoletmk.com
Thanks. You're quite right and I am on line now sourcing quotes.
Just wondered though if anyone had any claims from tenants and/or trades people. Surely if a property is checked regularly and a tenant does not report any problem then any injury sustained is not attributable to the landlord?
Public liability insurance is an absolute must.There have been a number of high profile cases - one I recall where a child tripped on a bit of loose carpet and fell down the stairs, sustaining serious injuries.I seem to recall a case where a tenant died of carbon monoxide poisoning due to a faulty appliance.No matter how much you look after a property, there could be some random thing that collides with a mix of events to cause a major issue.Our insurance partner, Alan Boswell Group, offers this type of insurance and it can be combined with Buildings Insurance.It is a minimal amount of money for complete peace of mind. Worth every penny in my book.You can call the Alan Boswell Group team on 01603 649736
Vanessa Warwick Landlord and Co-Founder of PropertyTribes.com **If you have got value from Property Tribes, find out how you can support it in remaining a free to use community resource**
Thank you. I will check my building insurance cover to see of public liability is included.
You are right PL insurance is an absolute must but if you have buildings insurance which I assume any self respecting landlord would, it is automatically covered.
I have a block policy that covers a number of properties and my PL is for £2m.
Before racing out and getting quotes check your existing buildings cover first.
Landlord with 25 years’ experience in the property market and a specialist in tenant referencing, ID and credit screening. Creator of identity, credit and anti-money laundering system ValidID.co.uk
Yes, building insurance is a pre-requisite condition of mortgagors. I will check the policy.
Looks like this one is already wrapped up, but yes Public Liability is a must, usually included with buildings insurance however, if you are a leaseholder of a flat and the freeholder is insuring the building, you can still purchase Public Liability cover for any accidents or injuries that occur inside your flat. There is a need to prove in any situation that you were negligent for the insurers to pay claims.Heath