Public / Property Owners Liability is automatically included under the 1st Sure policy. This has an indemnity limit of £5 Million (reduced to £2 million in respect of terrorism, unless the additional terrorism insurance extension has been selected).
Public / Property Owners Liability cover extends automatically to include all parties that may need to be indemnified; this includes Freeholders, Management Companies, Residents Associations, Managing Agents, RTM Companies and Lessees.
The 1st Sure policy also automatically includes Employers Liability. This has an indemnity limit of £10 million (reduced to £5 million in respect of terrorism, unless the additional terrorism insurance extension has been selected).
Whilst you may consider that you do not directly employ any staff, it is easy to fall foul of employment legislation and for a gardener, maintenance worker or cleaner of the communal parts in your block to be deemed an employee. It is for this reason that we automatically include this cover on a contingent basis.
It is important that any lessee who lets out their flat consider landlords’ liability. As this is not covered under the terms of the 1st Sure policy it would need to be purchased separately.
