What is landlord liability insurance?

Landlord liability insurance is a product that will provide cover in the event a tenant or guest is injured, or a third-party is damaged, and the cause is deemed to be resulting from your negligence.

How much is landlord liability insurance?

The cost of landlord liability insurance varies dependant on the risk, but cover can start from as little as £56.

How much landlord liability insurance do I need?

Liability cover includes a minimum of £2,000,000 cover, but we recommend a minimum of £5,000,000 due to the increasing and unpredictable cost of injury claims. The most important part of an insurance policy is the property owners’ liability section. This will provide cover against claims for injuries or incidents where a person (this could be your tenant, a guest at the property, or even a passerby) feels the cause of their injury is your negligence. The smallest crack in a pathway could cause your tenant to trip and injure themselves. If it were deemed that you were negligent in not maintaining the pathway to an acceptable standard, the tenant would have the right to claim for their injuries and inconvenience. Claims for a broken ankle from incidents similar to the above have run into millions of pounds due to loss of earnings claims. We always recommend a higher level of cover due to the frequency and severity of these types of claims.

As a landlord what am I liable for?

Being ‘liable’ means you are legally responsible for something. In the case of landlord insurance, this covers a wide range of topics from the upkeep of your building to your responsibility for the safety of your tenants. You are liable for anything you own or have a financial interest in, including: The maintenance of the building and the land it stands on. The electrics and plumbing at the property. Any fixtures, fittings, and furnishings you provide. Boiler maintenance. Gas safety. Smoke alarms. This list is not exhaustive, but provides an example of the main responsibilities a landlord has. It is imperative you provide a safe environment for your tenant(s).

Landlord Liability Insurance | From Just £56 per year

Name: Landlord Liability Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

Without landlord liability insurance, you could be liable for damage to possessions, or worse, face a personal injury claim and find yourself paying legal costs associated with the claim.

The Alan Boswell Group Difference

With our own landlord insurance products managed in-house, we provide a unique service, with pricing, underwriting and claims primarily managed by us. We also have a landlord advice hub that is full of useful information to help landlords and property owners find the advice and products needed.

Our advice and service have been recognised by the industry and our feedback scores are proof of our consistently high standards.

Landlord liability insurance at Alan Boswell Group

How our customers rate us

Knowledgeable pleasant staff who efficiently sorted out our unusual circumstances and found the right insurance at a very competitive price.

Mrs Smith - Landlords Insurance

4.9/5 1420 reviews

Landlord liability insurance in detail

Landlord liability insurance from just £56 per year.

Landlord liability insurance

Covers loss or damage to material property or bodily injury (including death, illness, or disease) for which you are held responsible and proven negligent in relation to members of the public. It is ideal where you own the property on leasehold and the freeholder insures the buildings. Our landlord liability insurance is also available where landlords buildings and/or contents are purchased at the same time.