The possibility of someone laying a personal liability claim against you may not seem very likely, but if it happens, it could cripple you financially. That’s why Personal Liability insurance cover is so important. If you are found guilty of causing accidental death, injury or damage to a third party, you need to be sure your costs will be covered and your claim settled as painlessly as possible.

Property Owner’s Liability Cover

Most building insurance cover automatically includes Property Owner’s Liability cover. This legal cost cover protects you in the event that a third party lays a claim against you for accidental death, injury or illness that occurs on your property. It also covers you in the event of accidental loss or damage to a third party’s property.

For example: if your stairs collapse and a guest falls and breaks a leg, you may be responsible for medical costs and expenses incurred by your guest. This cover will provide compensation if you are found to be legally liable for these costs.

Householder’s Liability Cover

This legal cost cover protects you in the event that a third party lays a claim against you for accidental death, injury or illness that occurs on your property. It also covers you in the event of accidental loss or damage to a third party’s property.

For example: if your family dog injures the postman in the garden or if a guest falls and breaks a limb, you may be responsible for the costs and expenses incurred by the postman or guest. This cover will provide compensation if you are found to be legally liable for these costs.

Tenant’s Liability Cover

This legal cost cover provides you with indemnification if you become legally liable (as a tenant, not an owner) to pay for:

  • Damage to the property and outbuildings (including fixtures and fittings).
  • Accidental damage to fixed sanitary-ware or fixed glass.
  • Accidental damage to water, gas, sewerage, electricity or telephone connections.