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Public Liability Insurance For Holiday Lets

Do you provide a standalone public liability insurance policy to protect us if a guest has an accident in our holiday home?

This is a question we are often asked and the answer is no, we do not provide a standalone public liability insurance policy. However, £5m public liability insurance is included in our holiday letting insurance policy, as standard, when you insure either buildings or contents.

I don’t think there are any insurers who do a standalone policy.

It is likely that anyone looking for a standalone policy because their current insurer doesn’t provide public liability cover for holiday letting, could be putting themselves at risk by not being adequately insured for commercial holiday letting.

If an insurance policy does not provide public liability insurance for holiday lets, then it is likely that theft and accidental damage by guests, loss of rental income, employers’ liability insurance and provision of alternative accommodation following a claim are also not covered. These are all essential areas of cover that holiday let landlords need.

So, if you are venturing into the self catering business and letting your holiday home (even to friends and family), ensure you are covered. You could be held liable for significant damages if a guest has an accident on your property and sues you. Unfortunately accidents happen.

Take reasonable steps to make your holiday home safe for you and your guests.

Contact us if you require further advice or get a quote for your holiday let that includes public liability.

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4 Comments

  • R Straccia |

    Hi I am looking for a public liability insurance only for a property let in Italy.
    I have been with Intasure for the last 4 years and never had a claim. They have written to me and said that their underwriters are no longer able to offer the standalone public liability insurance anymore as from the 16/05/14. Therefore I am looking for other options / alternatives and if you can provide me with this . Regards

    • Philip |

      Thank you for your comment. We do not provide a standalone public liability insurance policy. However, public liability insurance is included in our policy, as standard, when you insure either buildings or contents. Quotes are available online, alternatively contact us and one of our advisers will give you a quote.

  • Alan |

    I have a villa in Spain which my Niece and young children have asked to stay at. I normally don’t let my villa out and only charge family & friends actual running costs when people stay. My concerns are about the young children my Niece has. All homes are dangerous but villas in Spain with pools and slippery floors are potentially lethal. Although people and authorities say that they won’t take action if there is a negligence claim. I feel worried and unprotected even though I was asked and didn’t invite them. Some advice would be appreciated before I give a decision.

    • Philip |

      Hi Alan,

      Does your current insurance include public liability insurance that covers friends, family and holidaymakers? It’s important that you check that you are covered for friends and family using the villa and not just you (the owner), as some policies provide limited cover. Our buildings or contents insurance includes £5m public liability which protects you should anyone be injured at your villa e.g. slips and trips. Please contact us on 01204 365080 if you wish to discuss or you can apply online.

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