What is Property Owner's Liability insurance?

Property Owner’s Liability Insurance covers the owner of a building or land for their legal liability for injury to third parties or their property.



Simple examples of potential claims could be a tile falling off a roof and hitting a passer-by on the head, or a visitor tripping on an uneven step.

If you are a landlord or allow public access into your property or onto your land then Property Owner’s Liability Insurance should be considered a sensible part of your duty of care. As a landlord your property owner’s liability policy may demand that you comply with legal requirements, such as gas and electrical appliance safety checks and inspections of lifts.

If you are a landlord then most modern property owner’s insurance policies will include property owner’s liability as standard. If you are a householder then your household buildings insurance will generally include this as standard. Farm policies will normally include cover for the farm land.


We can advise on what insurance you do, and do not, need