Landlord liability insurance from just £56 per year
Landlord Liability Insurance
Landlord liability insurance is designed to protect you from personal injury claims made by tenants, guests, visitors or people employed to work on your property.
Without landlord liability insurance, you could be liable for damage to possessions, or worse face a personal injury claim and find yourself paying legal costs associated with the claim.
Our landlord liability insurance has £5m public liability cover.
The Alan Boswell Group Difference
With our own landlord insurance products managed in-house, we provide a unique service, with pricing, underwriting and claims primarily managed by us. We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.
Our advice and service have been recognised by the industry and our feedback scores are proof of our consistently high standards.
Excellent personal service with a very polite helpful person who listened and did not try and force a sale. Cannot rate highly enough.
Mr Khan
Landlords Liability in detail
Landlord Liability insurance from just £56 per year
Landlord liability insurance
Covers loss or damage to material property or bodily injury (including death, illness or disease) for which you are held responsible and proven negligent in relation to members of the public. It is ideal where you own the property on leasehold and the freeholder insures the buildings. Our landlord liability insurance is also available where landlords buildings and or contents are purchased at the same time.
Landlord liability insurance is a product that will provide cover in the event a tenant or guest is injured or a third party is damaged and the cause is deemed to be resulting from your negligence.
The cost of landlord liability insurance varies dependant on the risk but cover can start from as little as £56.
Liability cover is available from £2,000,000 cover but we recommend a minimum of £5,000,000 due to increasing & unpredictable cost of injury claims.
The most important part of an insurance policy is the ‘property owners liability’ section. This will provide cover against claims for injuries or incidents where a person (this could be your tenant, a guest at the property or even a passer-by) feels the cause of their injury is your negligence.
The smallest crack in a pathway could cause your tenant to trip and injure themselves. If it were deemed that you were negligent in not maintaining the pathway to an acceptable standard, the tenant would have right to claim for their injuries and inconvenience.
Claims for a broken ankle from incidents similar to the above have run into millions of pounds due to Loss of Earnings claims. We always recommend a higher level of cover due to the frequency and severity of these types of claims.
Being ‘liable’ means you are legally responsible for something. In the case of landlord insurance, this covers a wide range of topics from the upkeep of your building to your responsibility for the safety of your tenants. You are liable for anything you own or have a financial interest in, including:
The maintenance of the building and the land in stands on.
The electrics and plumbing at the property.
Any fixtures, fittings and furnishings you provide.
Boiler maintenance.
Gas safety.
Smoke alarms.
This list is not exhaustive but provides an example of the main responsibilities a landlord has. It is imperative you provide a safe environment for your tenant(s).
Landlord insurance products and optional extras
Our landlords’ insurance products are designed specifically for landlords in mind. As a landlord, we know you face more risks, which is why we can provide a range of additional covers:
Flexible Landlords Insurance products from a market-leading broker. Compare quotes for your buildings, contents and liability insurance for commercial or residential properties.
Our Landlord Contents Insurance is for the properties you have left fully or part furnished and provides cover for the furnishings, fixtures and fittings.
Landlord building insurance is a vital cover for your rental properties we can search the market, compare quotes and arrange your insurance so you get the best insurance available
Becoming a landlord: what are the risks, and how can you avoid them?
There’s a lot to think about when you become a landlord, but understanding what you need to do and how to avoid some of the common pitfalls makes the process easier.
From buy-to-let portfolio owners to people renting out a room in their home, different kinds of landlords need different types of landlord insurance. In this article we look at some of the common questions that arise when considering landlord insurance.
