Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

• damage to someone’s property, caused by your property management company
• an injury or illness caused by your business activities or products
• accidental damage or injuries caused by your employees

For example:

• while visiting your office a client trips down a step, breaking their ankle
• you knock a tenant’s laptop off a hallway shelf while visiting, damaging the screen

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured because of working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your office manager slips on your reception area’s wet floor, spraining her ankle
• one of your employees falls down your office steps, fracturing their arm

Professional indemnity insurance

In case there’s a claim for loss-causing errors or issues with your work.

What’s typically covered by professional indemnity insurance?

Claims against your property management company for professional negligence or a loss-causing breach of contract. This can include:

• advice which turns out to be incorrect
• mistakes in your work that cost others money to fix

For example:

• a tenant claims you’ve made a mistake, leading to their eviction
• an employee sends an email containing sensitive information to the wrong person, causing your client to lose money on a letting

Read more about professional indemnity insurance

Business and office equipment insurance

In case something happens to the equipment you rely on.

What’s typically covered by business and office equipment insurance?

• accidental damage to the equipment you use to run the business

For example:

• three new laptops are stolen from your office during an overnight break-in
• flooding causes damage to your office furniture and machinery, including a photocopier and alarm system

Read more about business equipment insurance

Legal expenses insurance

In case you face legal costs in connection with your management company.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your property management company
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
• tax and compliance disputes and investigations you need help with
• includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your professional reputation

For example:

• you need to hire legal support when an employee raises an unfair dismissal claim against you
• HMRC begin an investigation into your tax affairs, and you need to pay for legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you injure your lower back while playing squash in the evening, and need ongoing hospital and physio treatment
• one of your employees, who you’ve covered on the policy, dislocates their shoulder in a bad fall outside your office

Read more about personal accident insurance