What are adequate levels of Property Owners Liability Insurance?

In an ever increasing litigious society, prudent property owners will be well advised to obtain adequate levels of third party liability insurance. The limit of liability (or Limit of Indemnity), insured is something that will need to be calculated with careful consideration and will ultimately be a balance between:

  • What limit is realistic or sensible
  • How much of the premium can be justifiably recovered
  • How much non-recoverable premium is the Policyholder prepared to pay

There is no right or wrong limit and can vary dramatically:

  • From one property to another
  • Depending on the location
  • Depending whether or not it is a public place
  • Depending how densely populated the surrounding area is


If you have any questions, speak directly to an expert on 020 3159 4313