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 choose to insure your contents and business, and a landlord insures the premises, make sure that property owners' liability cover is included in at least one of these policies.
For further information see insurance: business property and assets.