Guide

Liability insurance

Property owners' liability insurance

Property owners' liability insurance enables you to meet any costs and damages awarded to a member of the public if they suffer an injury following an accident on, or linked to, your premises.

For private property owners, this protection is generally included in a household policy. For most businesses, any claim arising from your ownership of a property would be included in your public liability cover. Where you insure your contents and business, and a landlord insures the premises, make sure that property owners' liability is included in at least one of these policies.