Indemnity Insurance For Landlords

As a property owner it is essential to protect yourself from the potential legal claims that could be made by tenants, contractors and members of the public who are injured whilst living in or visiting your property.

All landlords are at risk of being sued if found to be negligent or in breach of their duty of care. For example if a tenant were to trip and fall on a broken step, they would be able to sue the landlord for damages and in the age of 'no-win no-fee' legal cases, this type of action is becoming increasingly popular.

Minimise the risk

The best way to avoid legal action is to try and minimise the risk. Essentially it is up to the landlord to ensure that the property is as safe as possible. This includes fixing broken steps, shelves and cupboards, testing electrics and reducing fire hazards.

However, this does not eliminate risk completely and the last line of defence should be liability insurance.

Property owners' liability insurance

Liability insurance enables the landlord to meet any costs or damages awarded to a member of the public if they suffer an injury following an accident on or from the owner's property.

Getting insured

Often specialist landlord's insurance providers will provide liability insurance as part of the main package, but it is a good idea to check your policy to ensure that you are covered.

If you are not covered, you may want to consider taking out liability cover or changing to a new policy that includes this cover.

Don Suter is Managing Editor of the UK Property Portal (http://www.ukpropertyportal.co.uk), an online directory and magazine for UK property sales, rental, surveyors, mortgages, conveyancing, property insurance, removals, news, investment and development

Find out more about property insurance and get an online quote.


Term Life Insurance - A Safeguard for Small Business Owners

Term life insurance can offer protection for a small business... Read More

Cheap Auto Insurance Quotes ? Tips For Getting The Lowest Rate

Finding auto insurance quotes online is easy, but finding the... Read More

The Awful Truth about Annuity and Insurance Leads

You see the websites, you see the ads: exclusive, never... Read More

An Intro To Auto Insurance

Although premiums, policies and prices vary widely, the mandate does... Read More

The Life Insurance Plan Online

Thank goodness the internet age has arrived helping us to... Read More

Is an HSA a Type of Insurance?

A Health Savings Account (HSA) is not a type of... Read More

A Guide to Insuring Your Sailing Dinghy

If you've just bought a dinghy or are thinking about... Read More

Photography Insurance-Insurance for the Photographer

Part and parcel of establishing your own photographic business is... Read More

How Is Your Auto Insurance Policy Price Determined?

The average auto insurance policy price is derived from a... Read More

Dont Just Accept Your Car Insurance Renewal Quote

UK car insurance companies make substantial profits every year because... Read More

Global Warming: Why Consumers and Insurers Are Getting Hot Under the Collar Over Life Insurance.

Global warming may have been lurking on our horizon for... Read More

Are You Running the Risk of an Uninsured Business? Beware & Get Business Insurance

Human life is precarious and so are the activities they... Read More

Why Buy Life Insurance?

Love. Yes, that's right. Love for your spouse, children, family,... Read More

3 Important Moving Insurance Tips

Because of the many problems that can occur when you... Read More

Is Purchasing Travel Insurance Smart?

To answer the question "is purchasing travel insurance smart?" let's... Read More

What Are The Auto Liability Insurance State Minimums For My State?

As you shop online for the best auto insurance deals... Read More

Insurance Credit Scoring: An Ethical Issue

The issue at hand is the use of a consumer's... Read More

Medical Bills - Evaluating Your Personal Injury Insurance Claim

The value of a personal injury claim has a direct... Read More

Discount Auto Insurance - Get Low Rates And Superior Coverage

Auto insurance rates can be quite expensive. If you are... Read More

Everything You Need to Know About Life Insurance

Life insurance is a type of protection that can be... Read More

Self Employed Health Insurance - Tips For Getting Cheap Health Insurance When Youre Self Employed

If you're self-employed and facing high health insurance bills, there... Read More

Online Insurance: The End of the High Street Broker?

When I was a lad, some 25 years ago, the... Read More

Health Savings Account (HSA): What Happens to it When I Retire?

The Health Savings Account (HSA) is a great tool that... Read More

Student Health Insurance - Is It Necessary?

As a young, healthy college student, it might be tempting... Read More

How Will an HSA Save Me Money?

The Health Savings Account (HSA) is a tool to help... Read More