landlord insurance

Exclusions and limitations

Please refer to the policy document for terms and conditions.

The following exclusions and limitations apply to the landlord insurance policy: For or a full list please refer to the policy document

Property damage excludes:

• Explosion due to bursting of non domestic steam boilers, or other steam apparatus
• Storm, theft, accidental/malicious damage, burst pipes, or sprinkler leakage in an unoccupied building
• Theft of contents not involving forcible and violent entry to or exit from the premises, or to items in gardens or landscaped areas
• Storm, tempest or flood to fences, gates and property in the open
• Damage due to terrorism (see Additional Information)
• Damage to and arising from mobile phone masts
• Frost, wear and tear, gradual deterioration, inherent vice, latent defect
• Rot, mildew, rust, corrosion, insects, woodworm, vermin
• Faulty or defective design workmanship or materials
• Changes in water table level
• Pollution or contamination

Subsidence cover excludes:

• damage to surfaced areas, walls, gates and fences, unless the building is also damaged the settlement or movement of made up ground
• coastal or river erosion
• defective design or workmanship or the use of defective materials
• damage which commenced prior to inception of this cover
• damage as a result of demolition, excavation or other building work
• £1,000 subsidence excess applies
• damage to paintings, prints and works of art limited to £5000 any one item

Property owner’s liability excludes:

• Liability in respect of injury loss or damage directly or indireclty caused by arising from in consequence of or in any way involving asbestos

  Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodilty article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage

• Injury to any employee
• Loss of or damage to property belonging to you or in your charge or control
• Liability for loss or damage to goods sold, supplied, delivered, installed or erected or the cost of recalling or refunding a defective product or rectifying faulty work
• Liability arising out of ownership, possession or use of any mechanically propelled vehicle or attached trailer or any water craft or aircraft
• Liability arising out of error or omission in any advice, design, formula, specification, inspection, certification or testing performed for a fee in respect of liability arising from products which attaches solely under the terms of an agreement
• Injury, loss or damage arising from manual work carried out away from the premises
• Loss or damage to contract works undertaken under a contract or under JCT Clause 21.2.1
• Any liability in respect of pollution or contamination unless caused by a sudden identifiable unintended and unexpected incident
• Fines, penalties or liquidated, aggravated, punitive or exemplary damages
• Liability arising out of the operation of a sling or cradle
• Occupiers liability arising from residential accommodation caused by a resident
• £250 third party property damage excess

Conditions

• Bona Fide Subcontractors - you must ensure that any bona fide sub contractors used by you have Employers Liability and Public Liability insurance in force, with a minimum Limit of Indemnity of £2M for Public Liability. If you fail to comply your policy may not operate.
• Unoccupied Buildings - Unoccupied buildings are not insured unless they are notified to us and we agree to continue cover. If we agree to continue cover, mains services must be switched off and water system drained other than in respect of security or fire alarms or sprinkler systems. The property must be inspected internally and externally weekly (with records kept), defects in security and maintenance rectified and any accumulations of combustible materials removed. You must also comply with security level requirements and ensure that the property is secured against unlawful entry and that all security protections are put into effect.
• Felt Roof Condition - You must ensure that any felt roof over seven years old is inspected annually and any remedial work required completed.