Risks

Don't be liable. If things go wrong with your property or anyone in it then you can be held liable, even if you weren’t there. If the courts decide that you didn’t minimise the risks or didn’t maintain the property properly then the repercussions can be serious. So as well as keeping the place in the best possible condition you need insurance to protect you against possible claims. Liability cover should be standard in most landlord policies – with www.landlordinsurance.co.uk you get up to £5 million for basic liability and up to £10 million for employer’s liability. Don’t think you won’t need the latter just because you don’t employ anyone. In legal and landlord terms this means cleaners and gardeners as well as anyone carrying out maintenance and repairs.