Residents Liability Insurance

Our Residents Liability Insurance provides essential cover to safeguard residents’ associations, land owners and management companies against potential risks and liabilities.

What is Residents Liability Insurance?

Residents Liability Insurance, sometimes referred to as Private Road Insurance, or Land Liability Insurance, is designed to cover legal liability for accidents or damage occurring in communal areas of a residential property. It protects residents’ associations, freeholders, and management companies against claims made by third parties, such as visitors, contractors, or even residents themselves, due to incidents that occur in shared spaces.

• Types of cover can include:

  Public Liability Cover: Protection against your legal liability to third parties for accidental injury or damage

  Employers’ Liability Insurance: Protection against your legal liability for bodily injury to any employees

  Property Damage Cover: Protection for outbuildings, perimeter walls, gates, signs, or other associated infrastructure

  Optional Legal Expenses Cover: Legal costs and expenses for insured incidents in connection with the road/property

What does Residents Liability Insurance include?

Subject to the area being in a good state of repair, our policy provides protection for a range of communal spaces, ensuring protection for residents and visitors alike.

• The covered areas include:

  Car parks and car ports: Protection for liabilities arising from accidents in communal parking areas

  Communal gardens: Cover for injuries or damages occurring in shared outdoor spaces

  Lamp posts and street furniture: Liability cover for damage to or accidents involving fixtures such as benches, bollards, or lighting

  Roads, pavements, paths, gates, and fences: Protection against claims due to maintenance issues or accidents in these shared access areas

  Bin stores: Cover for liability related to refuse collection areas

  Re-landscaping costs: Cover for necessary restoration work following insured damage

  Fixed fuel oil and liquid petroleum tanks: Protection against liabilities arising from leaks or damage

We have two policy types available with different levels of indemnity to suit your needs; our Premiums start from £191.80 (including tax and our fee)*

Option 1: Property Owners’ Liability Only

Number of Houses	Limit of Indemnity
	£2,000,000	£5,000,000
1-25	£191.80	£231.00
26-50	£270.20	£329.00

Option 2: Property Owners’ Liability, Legal Expenses, Material Damage**, Employers Liability

Number of Houses	Limit of Indemnity
	£2,000,000	£5,000,000
1-25	£309.40	£348.60
26-50	£348.60	£407.40

If your estate has over 50 houses, please contact the team.

** Provides cover for Outbuildings, Walls, Archways, Bin Stores, Gates and Railings – conditions apply.

Request a Land Liability Insurance quote today

Contact us today for a tailored quote and expert advice on the right level of insurance for your needs.

Additional Cover Available

Directors & Officers Liability Insurance – Premiums from £110.00 (including tax and our fee)*

*Premiums shown are indicative only and for guidance. Actual premiums may differ based on postcode, claims history, and insurer underwriting.

No cover is in force until confirmed. This information does not constitute financial advice.