Landlord liability insurance covers you if a tenant, visitor or neighbour is injured or suffers loss because of the property or your actions as landlord. It is a core part of a landlord policy, though the limit and scope vary.
What it covers
The policy pays compensation and legal costs if you are found liable, for example a tenant injured by a faulty stair or a leak damaging a neighbour’s flat. It sits alongside your buildings and contents cover. Our guide to landlord buildings vs contents explains the rest of the package.
Limits and conditions
Policies set a liability limit, often £2m or more. They expect you to maintain the property and meet legal duties such as gas and electrical safety. Failure to do so can undermine a claim. Our explainer on exclusions covers how conduct affects cover.
Related cover
Some policies add employer’s liability for cleaners or gardeners you hire. If a claim is mishandled, our guide to complaining and the Financial Ombudsman are the routes to challenge it.