Property Owners Liability Insurance
Protect Your Property and Financial Security With Property Owners Liability Insurance
As a property owner, you have a legal duty to ensure that your premises are safe for tenants, visitors, and the public. If someone suffers an injury or property damage due to a defect in your building, you could be held legally responsible—leading to expensive legal claims and compensation payouts.
ABA Insurance provides specialist Property Owners Liability Insurance, offering tailored protection for residential landlords, commercial property owners, and property investors. Our policies cover legal defence costs, compensation claims, and public liability risks, ensuring your financial security.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Property Owners Liability Insurance?
Property Owners Liability Insurance is a specialist policy designed to protect landlords and property investors from legal claims if someone is injured or their property is damaged due to a defect in their building.
This insurance is essential for:
- Private landlords and buy-to-let property owners
- HMO (House in Multiple Occupation) landlords
- Commercial property investors
- Freeholders and leaseholders
- Property management companies
Without the right cover, landlords could face costly legal action if a tenant, visitor, or passerby is injured due to hazards such as loose tiles, faulty wiring, or poorly maintained walkways.
Why Do You Need Property Owners Liability Insurance?
Protection Against Injury Claims
If a tenant, visitor, or contractor is injured on your property due to a structural defect—such as loose stair railings, falling roof tiles, or unsafe flooring—you could be sued. This insurance covers legal fees, medical expenses, and compensation payouts.
Cover for Property Damage Claims
If a defect in your building causes damage to a neighbouring property, such as water leaks, subsidence, or structural collapse, you could be held responsible. This policy helps cover repair costs and legal claims.
Financial Security Against Legal Costs
Defending a public liability claim can be expensive and time-consuming. This insurance provides financial protection against solicitor fees, court costs, and compensation payments.
Compliance with Mortgage and Leasehold Requirements
Many mortgage lenders and freeholders require landlords to hold public liability insurance as part of their agreement. This policy ensures compliance with financial and contractual obligations.
Peace of Mind for Residential and Commercial Property Owners
Whether you own a single buy-to-let property or a portfolio of residential and commercial buildings, Property Owners Liability Insurance provides protection against unexpected claims and financial losses.
What Does Property Owners Liability Insurance Cover?
- Public liability insurance for injury or property damage claims
- Legal expenses cover for court fees and legal representation
- Compensation payouts for third-party injuries and damages
- Accidental damage cover for incidents caused by building defects
- Tenant injury claims protection due to poor maintenance or hazards
- Cover for commercial and residential properties
Get The Right Business Insurance
How We Get You The Right Property Owners Liability Insurance Cover First Time Round
Worried About Accidents on Your Property?
If a tenant or visitor is injured due to a defect in your property, legal claims can be financially devastating. Our policy protects landlords against compensation payouts.
Concerned About Property Damage to Third Parties?
Leaks, structural issues, or falling objects can damage neighbouring properties. Our insurance covers legal costs and repair expenses.
Need to Meet Mortgage or Leasehold Requirements?
Many lenders and lease agreements require landlords to have public liability cover. Our policies ensure full compliance with financial and contractual terms.
Looking for Cost-Effective and Flexible Cover?
We offer customised policies based on property type, number of tenants, and risk exposure, ensuring affordable and scalable protection.
Need a Fast and Hassle-Free Claims Process?
Our dedicated claims team ensures quick settlements so that landlords and investors can continue their business with minimal disruption.
How Much Does Property Owners Liability Insurance Cost?
The cost of Property Owners Liability Insurance depends on:
- The type and size of the property (residential, commercial, HMO)
- The number of tenants or businesses occupying the premises
- The level of public liability cover required
- The property’s age, condition, and maintenance history
- Previous claims history and risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring landlords receive the best protection for their specific needs.
Why Choose ABA Insurance for Property Owners Liability Insurance?
- Industry expertise with specialist cover for landlords and investors
- Flexible policies designed for residential and commercial properties
- Competitive pricing with cost-effective liability insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Property Owners Liability Insurance Today
Ensure your rental property or commercial investment is fully protected with Property Owners Liability Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.