When a member of the public suffers an injury following an accident on or linked to the premises, it is covered under the Property Owner’s Liability Insurance. This includes the cost of hospitalization, ambulance charges claimed by the NHS if the incident occurs either on or after 29th January 2007. Household policies are generally accorded with this protection. Where a businessman insures the contents of his business and the landlord insures his premises, the property holder’s liability must be included in either of them. It is good to have the property owners liability insurance included in the business insurance. The Insurance broker is the best person to guide in this matter. If someone is working from home and entertains clients there, then he should ensure that the household insurance cover these business risks.
