Although you may not be running your contract site you still have a liability exposure as the owner of the property. Does this apply to you?

A large country house with a lake in the foreground.

Property owner’s liability is a cut-down version of full-public liability that provides cover for you as the owner of the property undergoing works and the site on which it sits.

This type of insurance presumes that you are using the services of a single contractor who controls the site and any subcontractors employed to deliver the contract.

Importantly, prior to the start of the contract, you do have a liability to anybody coming onto the site and because the contractor has not taken possession it is hugely unlikely that their insurance will pick up any claims that occur beforehand.

Property owner’s liability is a cut-down version of full-public liability that provides cover for you as the owner of the property undergoing works and the site on which it sits.

To protect you against your exposure, as the owner of an unoccupied property, we provide this liability cover in case somebody injures themselves after coming onto the site, either inadvertently or deliberately.

It is true to say that property owner’s liability is usually taken with an indemnity limit of £2 million in rural situations, and £5 million in urban situations.