Property Owners’ Liability

Specialist Liability Broker

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Property Owners’ Liability

Despite your best intentions, accidents do happen in premises and if the accident is as a result of something you or your business has done, then a tenant, a client, a contractor, or a member of the public can take a claim against you, or your business (as owner of the property) for compensation. Your Property Owners’ Liability can be triggered by something as simple as tenant slipping on a defective carpet or stairs or a contractor slipping on a wet surface in your office, incurring illness, injury or damage.

 

To help protect your business, S.A. Faughnan (Brokers) Ltd. can provide property owners’ with public / property owners liability insurance in conjunction with with a range of property and / or business covers including Property Combined Insurance.

 

What does Property Owners’ Liability insurance cover me against?

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  • Injury or Illness claims from Third Parties
  • Costs of defending a Third Party claim
  • Legal costs and resultant financial loss

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  • Property Damage claims from Third Parties
  • Compensation awards made to Third Parties

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Why have Property Owners Liability insurance?
  • Even if you don’t have visitors to your property, office or home, you could still suffer a property owners liability claim against you or your business; for example, if you accidentally damage a client’s property in their office, at their commercial premises or on site (Third Party Property Damage)
  • Easy access to ‘no win no fee’ legal services which help individuals claim compensation may increase the likelihood of an individual or business experiencing a property owners liability claim
  • Anyone working for you could trigger a public liability claim against you or your business if their actions injure a tenant, a client or member of the public or damage their property
  • Financial Institutions will often insist that their client maintain public / property owners liability insurance on their property(ies) and in fact it is a requirement of the Residential Tenancies Act, 2004 that this cover be maintained in residential units let to tenants

 

How a Property Owners Liability insurance policy protects you and your business…
  • Covers you when you have to pay compensation to a tenant, client, contractor, local authority or member of the public who is injured or incurs property damage and you or your business is at fault
  • Pays out legal fees spent in defending a claim and any resultant financial loss

 

What other insurance cover do I need to consider to adequately protect my business?

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  • Employers’ Liability
  • Products Liability
  • Cyber Liability
  • Personal Accident

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  • Professional Indemnity
  • Office Insurance
  • Directors & Officers Liability
  • Motor Insurance

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    David Faughnan CIP, Director

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    Elisa McKenzie CIP QFA

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    Angela Rickard

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    Louise Redmond

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