Why do you need public liability insurance?

It's your responsibility to make sure that your tenants are as safe as possible when they're at one of your rental properties.

Accidents can happen and that's where having public liability insurance comes in. As a landlord it protects you against claims made by tenants for damage to their property or personal injury arising from incidents connected with your rental property.

If one of your tenants makes a claim against you, and you are found to be legally liable. Public liability insurance will cover the following costs associated with legal action:

Loss of earnings
Future loss of earnings
Damages awarded to the claimant
Your legal costs in defending a claim
Claimants' legal costs if you are at fault
Without it you could be in for an expensive time.