Employer liability, public liability, business interruption and specialist commercial covers explained.
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Showing 2 of 15 guidesLandlord Insurance Explained
• Landlord policies are tailored for rental properties and tenant-related risks. • Buildings cover is usually essential; landlord contents applies to furnished items you own. • Loss of rent cover can help after insured damage makes the property uninhabitable (limits apply). • Liability cover protects against tenant/visitor injury claims. • Always disclose tenant type (students, DSS, HMO) — misdescription can cause claim problems.
Core GuideTools & Equipment Insurance Explained
• Tools cover protects your business equipment against theft, loss (sometimes), and accidental damage. • Cover often differs for tools in a vehicle vs at a secured premises — check conditions carefully. • Single item limits and total limits can be restrictive; schedule high-value items where needed. • Hired-in plant and owned plant may need separate sections. • Security requirements (locks, alarms, trackers) are a common cause of claim disputes.