Liability insurance

Property owners' liability insurance

Property owners' liability insurance enables you to meet any costs and damages awarded to a member of the public if they suffer an injury following an accident on, or linked to, your premises. This will include costs of hospital treatment and ambulance costs claimed by the NHS, if someone is awarded personal injury damages and the incident occurred either on or after 29 January 2007. Read about the Injury Costs Recovery Scheme on the Department of Health (DoH) website - Opens in a new window.

For private property owners, this protection is generally included in a household policy. For most businesses, any claim arising from your ownership of a property would be included in your public liability cover. Where you insure your contents and business, and a landlord insures the premises, make sure that property owners' liability is included in at least one of these policies.

Subjects covered in this guide

• Introduction
• How liability insurance works
• Employers' liability insurance
• Public liability insurance
• Product liability insurance
• Insurance against pollution damages
• Property owners' liability insurance
• Professional indemnity insurance
• Directors' and officers' liability
• Seek specialist advice
• Here's how I checked what insurance I need

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