• What does liability insurance mean?

    The liability cover on your policy will insure you for any amounts you become legally liable to pay as damages and claimants costs for bodily injury, including death and disease and damage to property caused by an accident at the premises.

    If you are seeking a liability insurance meaning, you have come to the right place. Landlord liability insurance is also known as public liability insurance for landlords or property owners’ liability insurance. It protects you in the event that your tenant or a visitor suffers an accident resulting in an injury, for which they decide to make a claim against you.

    It is your responsibility as a landlord to keep your tenants as safe as possible. However, even when the greatest precautions are taken, accidents can still happen. Just one claim made against you by a tenant for personal injury or damage to their possessions arising from an incident for which you are found to be liable could be financially crippling.

    Public liability insurance will cover you for any damages awarded to a claimant, as well as your legal costs in defending a claim and the claimant’s legal costs, if you are found to be at fault.


    Accidents can happen even when you have made every effort to protect your tenant and their visitors, so you can’t rule out the possibility of needing to call upon liability insurance. Investing in landlord liability insurance can give you the peace of mind you need to focus on other day-to-day issues.

    The question “What does liability insurance mean?” is answered differently from one insurer to the next, so it is important to carefully compare policies in light of your specific needs.