Why may landlords need liability cover?
Your Landlord insurance covers damages to your property and your contents if you have chosen to include them. Liability cover protects you if a tenant or visitor becomes injured in your property. In this circumstance, you may be liable and it can often be expensive to resolve. Liability cover can mitigate this risk. As a landlord it is your responsibility to ensure your property is as safe as possible. Liability cover therefore protects you against these unexpected scenarios.
landlord liability cover includes costs and expenses incurred in respect of:
- Bodily injury by accident including death, disease or illness
- Accidental damage to property happening during the period of Insurance and arising from ownership of your property, but not its occupation