Public Liability

This provides indemnity in respect of liability at law for damages:

and covers:

The main exclusions are liability to employees, liability risks more properly insured under other policies such as motor or professional indemnity, liability for remedying defects in properties disposed of and pollution, which is not sudden and unforeseen.

The limit of indemnity should reflect the rapidly rising level of damages being awarded by the courts for injury claims. We recommend a minimum of £2,000,000 though higher limits are available with limits of £5,000,000 now the standard for block policies.

An important factor in determining the premium is the type of lease and whether the Insured is responsible for maintenance and repair of the property. Where the lessee is responsible for maintenance under a full repairing lease, the Insured’s responsibility is reduced and this would be reflected in the premium. Other factors influencing the premium are the size, location, nature and general condition of the property as well as the type and number of tenancies.

Employers Liability

Where the Property Owner has a direct employee(s), such as a caretaker, we would recommend the Employers Liability be placed under the business insurance policy. Where this is not possible this can be added to the Property Owners Insurance policy.