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...
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Public Liability Insurance provides cover if you become legally responsible to a third party for bodily Injury/death/diseases, damages, expenses & costs and/or damage to their property following an accident which occurs in connection with your business activities or as owner of a property.
Accidents can...