Morrison insurance Solutions

Property Owners Liability Limit – Is It Enough?


When was the last time you reviewed your/ your clients building sum insured?

Hopefully fairly recently, but with court awards increasing in both numbers and in particular size , the level of Property Owners Liability Indemnity Limits should also be a key focus for you.

We often see Property Owners insurance policies with Limits of Indemnity of just £1,000,000 or £2,000,000 which in today’s litigious society is wholly inadequate.

It only takes an unfortunate set of circumstances:

• A tile falling from a roof
• A diseased tree in the property collapsing
• Electrical Fire

to name just a few, all of these could cause death or injury to the occupants or passers-by and the subsequent potential for a significant claim.

Don’t take the chance – Pi Property Insurance cover has a minimum of £5,000,000 worth of cover, and for just a few pounds extra can be increased to £10,000,000 which would be our recommendation.

In 1998, an Investment Banker was awarded £9.3m. What would that claim be worth today?

Protect yourself, your client and most importantly avoid a shortfall which could “seriously damage your wealth”.  

What to do next

We are experts in Property Owners insurance and understand all the issues so if you’d like more information, or would like us to review your cover please call our experts now.

Call 01789 761660

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