Property Owners Liability Insurance
At Versatile Insurance we can arrange Property Owners Liability insurance (sometimes simply referred to as public liability) to cover your negligence in connection with the ownership of your building and any land which is part of the same deeds. We insure the liability of buildings and land in England, Wales, Scotland and Northern Ireland. You may own the property for personal or business use or may rent or lease it to someone else. Either way, it is possible that visitors (or trespassers!) may hurt themselves or damage their property, whist in or around your building.
Whatever your situation, we are certain we can help:
- Property owners liability insurance for residential, commercial and industrial buildings
- Public Liability insurance for building plots (greenfield and brownfield sites), grazing land, woodland and fields
- Communal areas for management companies
- Other types of property including roads, lakes, wharfs and bridges
- United Kingdom and Northern Ireland
What can you cover yourself for?
Public Liability Insurance
When you work away from your business premises, you may cause harm to someone else or their property. For instance, you may drop a tool from a height and hit a person. If you require Public Liability insurance for land or a building, (also know as Property Owners Liability insurance) please click here for a quotation.
Employers' Liability Insurance
This is a legal requirement for nearly all employers and protects the employer against claims from employees, labour-only sub-contractors, hired people and people working under Government sponsored work schemes, where there has been negligence resulting in their injury or death.
Products Liability Insurance
When the goods you supply cause harm to a member of the public.
Contractors All Risks Insurance (sometimes known as "Contract Works")
If you are involved with extending or converting a building or a self build, you are probably responsible for the work until the contract has been completed and handed over to the owner. If your work, for example, burns down, before handing over, you will be responsible for all of the costs of doing the work again. Please click here for a Contractors All Risks insurance quotation.
Injury or damage to property due to collapse, subsidence, heave. vibrations, weakening or removal of support or lowering of groundwater attributable to the carrying out of the Works but not due to any negligence of the contractor or design. Click here for a form to print, complete and return to us with the plans for the work.
If you would like to know more about this insurance, or are unsure about what policy is right for you, one of our friendly team will be happy to help you.
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Public Liability for Land Insurance
Public Liability Insurance for building plots (greenfield and brownfield sites), grazing land, woodland and fields.
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