In a rental property policy, Public Liability (or Property Owners’ Liability as it is more commonly stated) covers your legal liability, as Property Owner, for accidental death or injury (or disease) occasioned to a Third Party, be that a tenant, a visitor or a trespasser.
It also extends to cover Third Party property damage e.g. if a slate blows off your roof and hits a parked or passing car belonging to a third party or even the neighbours roof or car.
By virtue of the Residential Tenancies Act 2004, Landlord’s should have Public Liability cover in place for every unit they provide for private rented accommodation.
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