Policy Sections
Definitions
Cover Causes
Material Damage
Buildings
Buildings - Extensions
Buildings - Exclusions
Contents
Contents - Extensions
Contents - Exclusions
Glass. Blinds and Signs
Extensions
Exclusions
Conditions
Loss of Rent
Rent Receivable
Alternative Accommodation
Extensions
Conditions
Liability
Public Liability
Public Liability Exclusions
Employers Liability
Employers Liability Exclusions
Extensions
Conditions
General Exclusions and conditions
Exclusions
Conditions
Complaints
Making a claim
A Landlords Insurance Policy
Like all insurance policies, a landlords insurance policy consists of several sections. General information about the various sections is included. You must not assume that your policy has all of the sections referred to (and will probably have different terms, conditions and exclusions). If in doubt contact your insurance broker for advice.
Public Liability - exclusions
Will exclude any Road Traffic Act Liability, work away (i.e. not at the premises) other than collection, delivery or work done by employees for directors, partners or senior executives. Will also exclude high-risk locations and offshore work/.
Public liability will NOT cover any employee.
Other exclusions: contractual, pollution (unless sudden), defective work, advice or failure to give advice or lack of skill, firearms.