What is public liability?
do i need public liability insurance for lodger ? You
should ensure you declare your lodger to your insurance company and ask
them about their specific policy. Some will include liability cover for
everyone listed as living at the property.
Do you need public liability insurance? It's probably a sensible addition
if you have anyone visit your home. Most policies will include some sort
of cover for legal liabilities.
Public liability insurance is cover that ensures that if people come
to your home they are protected. Having specific public liability insurance
is essential if you work from home or have clients visit you at home.
It is inexpensive and cover is normally £1-3 Million.
This is Insurance that covers you from financial loss caused by an injury
to a non-employee or resident that results from the business's negligence
and that occurs on its premises.
Some insurance companies offer Public Liability insurance to contractors,
home workers, and home services for up to 5 employees with the option
to include Employers' Liability insurance cover. If your business is looking
for public liability insurance take the time to read the policy carefully.
Ask them if you have any questions about the cover. Always declare all
facts fully.
What do policies say? Have a read carefully and see if it makes sense
to you!
They may mention legal liability, or public liability.
They may cover the legal liability of your family:
• as occupier of your home and its land;
• as individuals;
• as an employer to any of your family’s domestic employees;
So if you have a lodger you don't declare you might find you invalidate
your policy. If you do not let them know you have a lodger.
What does it cover?
Legal liability to pay damages and costs to others which arise from any
single event occurring during the insurance period which results in:
• accidental death, disease, illness or accidental physical injury
to anyone; or
• accidental damage to physical property.
What is NOT covered - this is the thing to read as carefully as what
is covered
Anything owned by or the legal responsibility of your family.
And can cover Injury, death, disease or illness to any of your family
(other than your domestic employees who normally live with you).
Liability arising from any employment, trade, profession or business of
any of your family. Liability arising from any of your family passing
on any disease or virus.
Liability arising from the ownership or use of:
• any motor vehicle, including children’s vehicles (other
than garden machinery or wheelchairs), whether licensed for road use or
not, (Because you should have separate insurance for these.)
• any boat, wetbike, sand yacht, hovercraft, aircraft or train (other
than hand propelled boats and models);
• gliders, hang-gliders, caravans or trailers.
Liability accepted by any of your family under any agreement, unless
the liability would exist without the agreement.
Liability arising from any of your family owning
land or buildings.
Liability arising from The Party Wall etc. Act 1996.
Liability covered by any other policy.
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