Property Owners'
Liability
Insurance
What is Property Owners' Liability Insurance?
Property Owners' Liability Insurance protects landlords, freeholders, and property managers against claims arising from injury or property damage caused to third parties due to their premises. Whether you own a single rental property, a commercial unit, or an entire portfolio, this insurance provides financial protection against legal and compensation costs.
For landlords, commercial property owners, and property management companies, having liability insurance ensures peace of mind and compliance with legal obligations.
Who Needs Property Owners' Liability Insurance?
If you own or manage a property that is rented out, used by tenants, or accessed by visitors, liability insurance is essential. This includes:
- Residential Landlords – Cover for those renting out houses, flats, or HMOs.
- Commercial Property Owners – Protection for shops, offices, and business premises.
- Property Investors – Cover for those with multiple rental properties.
- Freeholders & Management Companies – Liability protection for common areas in leasehold properties.
- Mixed-Use Property Owners – Cover for properties combining residential and commercial units.
Why is Property Owners' Liability Insurance Important?
Without liability insurance, property owners could face substantial financial risks if someone is injured on their premises or their property is damaged.
Common risks covered by Property Owners' Liability Insurance include:
- Injury Claims – Covers legal fees and compensation if a tenant, visitor, or contractor is injured due to your property.
- Property Damage – Protection if third-party property is damaged due to an incident linked to your premises.
- Legal Expenses – Covers costs associated with defending claims made against you.
- Common Area Liability – Protects against claims for accidents occurring in shared areas like hallways, car parks, and stairwells.
What’s Covered in Property Owners' Liability Insurance?
Policies typically include:
- Public Liability Cover – Protection against claims from tenants, visitors, or third parties.
- Legal Defence Costs – Covers the cost of defending claims made against you.
- Employers' Liability Insurance – Required if you employ staff or maintenance workers.
- Optional Add-Ons – Cover for loss of rental income, buildings insurance, and accidental damage.
What’s Not Covered?
- Deliberate damage or negligence by the property owner.
- General wear and tear of the building.
- Loss of rental income (unless covered under optional extras).
Additional Cover You May Need
Depending on your property type, you may need extra cover such as:
- Buildings Insurance – Covers structural damage to the property.
- Contents Insurance – Protection for furnished rental properties.
- Rent Guarantee Insurance – Covers unpaid rent if tenants default.
- Home Emergency Cover – 24/7 assistance for urgent property repairs.
Protect Your Property Today
At Insurably, we work with leading insurers to provide the best liability protection for property owners, whether you own a single rental unit or manage an entire portfolio.
Start your quote online today and let us help you safeguard your investment.
- Small local office, no call centres.
- Experienced, knowledgeable staff.
- Clear, straightforward advice—no jargon.
What does Landlord Insurance for Flats cover?
What does Property Owners' Liability Insurance cover?
What's Covered?
What's Not Covered?
"Working with Ollie at Insurably® made getting landlord insurance incredibly straightforward. He took the time to understand the unique aspects of my property, found the right cover to protect my investment, explained everything clearly and gave solid advice. The whole process was efficient, and I feel confident knowing my flats are properly insured. Highly recommend Insurably® for any landlord who wants expert guidance without the hassle."
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Frequently Asked Questions
- Injury claims from tenants, visitors, or contractors due to hazards on your property.
- Property damage caused to third parties by structural defects, leaks, or falling debris.
- Legal expenses and compensation payouts in liability claims.
- Public liability for shared areas such as stairwells, hallways, and car parks.
- A tenant trips over loose flooring in a communal hallway and suffers an injury, resulting in a compensation claim.
- A falling roof tile damages a parked vehicle, leading to a property damage claim.
- A visitor slips on an icy entranceway due to insufficient gritting, leading to a personal injury lawsuit.
- Claims due to intentional neglect (e.g., ignoring known hazards).
- Employee injuries (covered under Employers’ Liability Insurance).
- Loss of rental income (covered under Loss of Rent Insurance).
- General wear and tear of the property.