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Landlords 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

Alan Boswell Group - personal

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.

How our customers rate us

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.
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Landlord liabilities FAQ's

  • 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:

Landlords Insurance

Flexible Landlords Insurance products from a market-leading broker. Compare quotes for your buildings, contents and liability insurance for commercial or residential properties.

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Landlord Contents Insurance

Our Landlord Contents Insurance is for the properties you have left fully or part furnished and provides cover for the furnishings, fixtures and fittings.

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Landlord Building Insurance

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

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Multi-Property Landlord Insurance

Multi-property landlord insurance for your residential and/or commercial property portfolio.

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Commercial Property Insurance

Discover the insurance options designed to protect your commercial property including buildings and liability cover.

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Unoccupied Commercial Property Insurance

Insurance for unoccupied commercial properties including property owners liability insurance.

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Serviced Accommodation Insurance

We provide essential insurance with competitive premiums for landlords and property owner that run serviced accommodation properties.

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Landlord Home Emergency Cover

Home emergency cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc

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Landlord Legal Expenses Insurance

Provides cover for your rental property, including repossession of property and other legal disputes.

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Rent Guarantee Insurance

Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000.

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Contact us

Speak directly to our team
01603 216399
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Enquire about landlord liability insurance
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Daisy Jordan

Apprentice Insurance Adviser

Leah Mayes
Leah Granger

Insurance Adviser

Leah has worked in insurance for over 10 years and joined Alan Boswell Group in 2009. She works within the Personal Lines department and specialises…

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