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  • Buy-to-Let

    Landlord Public Liability insurance

    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?

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    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

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    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?

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    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 


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    Thank you.  I will check my building insurance cover to see of public liability is included.

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    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.

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    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.

    Thank you

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    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

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