Landlord Liability Insurance
Landlord Public Liability Insurance Backed By ‘Exceptional’ Service
Want to save money on your landlord liability insurance? Let the landlord public liability insurance specialists at Coversure Hull compare our markets to find you the landlords liability insurance that’s right for you. Whether you have a residential let, commercial let or a mixture of the two, call us today on 0800 977 6037 and let our award-winning team help you get the protection you need.
Landlord liability insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of landlord public liability insurance experience, you can rest assured you’re in safe hands. Being independent we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us free on 0800 977 6037 or start your landlords liability insurance quote today.
What is landlord liability insurance?
Landlord liability insurance, or landlord public liability insurance as it’s also known, is an important cover that offers landlords protection from compensation claims for injury or damage relating to their rental property. It can cover many accidents and incidents such as:
- A tenant slipping on a wet floor in a communal area such as a hallway
- Someone’s property being damaged by a tile being blown off your roof
- A visitor tripping over a loose paving slab in the garden path
- A tradesperson being injured by a falling branch while they are fixing a broken window after a storm
Landlord public liability insurance can cover the cost of legal fees associated with the claim as well as any payouts. Cover can be arranged from £1m to £10m or even more if required. Compensation claims, particularly for injuries, can be extremely high. A broken arm can attract payouts of up to £24,000 while something more serous such as a back injury can be closer to £200,000 so as a landlord you’d be wise to have landlord liability insurance in place.
How much landlord public liability insurance cover should you have?
The amount of cover you need will depend on factors such as:
- The number of properties you own – the more you have, the greater the risk of something happening
- Where your properties are – ones that are in city centres with lots of visitors/passersby represent a greater risk
- The number of tenants you have – more tenants will mean more people coming and going and so present a greater risk
- If you have commercial properties – local authorities often set landlord liability limits for commercial properties of at least £2m
The best way to get the correct policy limits for your rental property is to get some independent advice. If you have a specific property in mind, then please get in touch by calling us free on 0800 977 6037. Our team of landlord insurance specialists will be happy to get to know your needs and provide you with a landlord’s liability insurance quote that’s right for you.
What types of property can landlord public liability insurance cover?
Landlord liability insurance through Coversure Hull can cover residential properties, commercial properties, or a mixture of the two, so we can offer protection for:
- Flats
- Buy-to-let houses
- Shops
- Cafés and restaurants
- Factories
- Warehouses
- Mixed property portfolios
These are just some of the types of rental properties we can offer protection for. If you have something specific in mind, please call us on 0800 977 6037.
How much does landlord’s liability insurance cost?
At Coversure Hull we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your landlord’s liability insurance quote will depend on things like:
- How many properties you have
- Whether they are commercial, residential or both
- How many tenants you have
- The policy limit you want to set, e.g. £1m, £2m, £5m, or £10m
- Your claims history
If you’d like to know how much a landlord liability insurance policy will cost you, please get in touch. You can call us on 0800 977 6037 or start your landlord liability insurance quote today.
How to get cheaper landlord liability insurance
The main way to get cheaper landlord liability insurance is to use a specialist independent insurance broker such as Coversure Hull. With our knowledge of the market and insurer relationships, we can help you get cheaper landlord liability insurance quotes. Other ways include:
- Maintaining your property to reduce the risk of a claim
- Choosing lower policy limits, if possible
Landlord public liability insurance FAQ
Landlord public liability insurance is a complex area of insurance and it’s important to get it right. To help you get the cover that’s right for you, here are our landlord liability insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us free on 0800 977 6037. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for you.
Q. Is landlord liability insurance a legal requirement?
A. No, but if you have a commercial property then the local authority may insist you have at least £2m worth of cover in place
Q. Why do I need landlord public liability insurance?
A. While it’s not a legal requirement, accidents happen, people can be hurt, and property damaged. The costs of compensation can be significant, so you’d be wise to have cover in place
Q. How much landlord public liability insurance do I need?
A. That will depend on the type of property you have, the type and number of tenants, and other factors such as its location and if your local authority specifies a limit. The best way to get the correct policy limits for your rental property is to get some independent advice. If you have a specific property in mind, then please get in touch by calling us free on 0800 977 6037
Q. What types of property can be covered?
A. We can offer cover to landlords with all kinds of property, both commercial and residential
Q. How much does landlord liability insurance cost?
A. That will depend on things such as:
- The type of property you have
- The number of properties you have
- The number of tenants you have
- Where the property is
- The policy limit you would like
Q. How can I get a landlord liability insurance quote?
A. Getting a quote is easy. You can start your landlord liability insurance quote here or call us on 0800 977 6037
Get a landlord public liability insurance quote today
If you'd like some landlord liability insurance help or a landlord public liability insurance quote call us on 0800 977 6037. We can give you all the advice you need and can compare our markets to find you the cover you require.
