Residents Liability Insurance

Our Residents Liability Insurance provides essential cover to safeguard residents’ associations, land owners and management companies against potential risks and liabilities.

What is Residents Liability Insurance?

Residents Liability Insurance, sometimes referred to as Private Road Insurance, or Land Liability Insurance, is designed to cover legal liability for accidents or damage occurring in communal areas of a residential property. It protects residents’ associations, freeholders, and management companies against claims made by third parties, such as visitors, contractors, or even residents themselves, due to incidents that occur in shared spaces.

Types of cover can include:

• Public Liability Cover – protection against your legal liability to third parties for accidental injury or damage
• Employers’ Liability Insurance – protection against your legal liability for bodily injury to any employees
• Property Damage Cover – protection for outbuildings, perimeter walls, gates, signs, or other associated infrastructure
• Legal Expenses Cover – legal costs and expenses for insured incidents in connection with the road/property

What does Residents Liability Insurance include?

Subject to the area being in a good state of repair, our policy provides protection for a range of communal spaces, ensuring protection for residents and visitors alike. The covered areas include:

• Car parks and car ports – protection for liabilities arising from accidents in communal parking areas
• Communal gardens – cover for injuries or damages occurring in shared outdoor spaces
• Lamp posts and street furniture – liability cover for damage to or accidents involving fixtures such as benches, bollards, or lighting
• Roads, pavements, paths, gates, and fences – protection against claims due to maintenance issues or accidents in these shared access areas
• Bin stores – cover for liability related to refuse collection areas
• Re-landscaping costs – cover for necessary restoration work following insured damage
• Fixed fuel oil and liquid petroleum tanks – protection against liabilities arising from leaks or damage
• Underground services, septic tanks, cesspits, and pumping stations – cover for essential services that maintain the property’s functionality.

Request a Land Liability Insurance quote today

Ensuring the areas you are liable for is essential. Here at Lansdown Insurance Brokers we can help protect your responsibilities. Contact us today for a tailored quote and expert advice.