Contents and Liability Insurance
Cover your own personal belongings within the property.
What is Tenants Contents Insurance?
Covers your own personal belongings within the property from theft, loss or accidental damage.
What is Tenants Liability Insurance?
Designed to cover you should any unexpected bills arise from accidental damage to household goods, furniture and furnishings in the property.
- Award Winning In-House Claims Team
- Lloyds of London Commercial Broker
- Independent Broker Since 2001
WHAT IS TENANTS CONTENTS AND LIABILITY INSURANCE?
The combined policy protects you as a tenant by covering any accidental damage and subsequent costs that you may be held accountable for by your landlord, lettings agency or accommodation provider, as well as covering your own possessions within the property.
This Insurance type is most beneficial to those in rented accommodation who are responsible for a Landlord’s, letting agencies or accommodation providers property, and who wish to fully protect themselves against their Landlord’s and their own belongings.
DO I NEED TENANTS CONTENTS AND LIABILITY INSURANCE?
Many tenants inaccurately assume that their personal belongings are covered in the letting of rental accommodation, along with any furnishings that come with the rented property. In some cases, tenants must seek additional insurance to protect themselves and their possessions in the event of an unfortunate incident, in addition to their Landlord’s belongings.
The combined policy protects you as a tenant against costs that you may be held accountable for by your landlord, lettings agency or accommodation provider, as well as covering your own possessions within the property.
WHAT IS COVERED IN SJL INSURANCE SERVICES TENANTS CONTENTS AND LIABILITY INSURANCE?
At SJL Insurance Services, we cover all of your possessions, as well as offer protection for your landlord’s building, fixtures and fittings.
Choose to insure your personal possessions with our Tenants Contents Insurance, or, take our Tenant Liability Insurance to protect yourself against any accidental damage to your property.
WHAT DOES SJL INSURANCE SERVICES OFFER WITHIN TENANTS CONTENTS AND LIABILITY INSURANCE?
SJL Insurance Services offers bespoke packages that can be customised with a variety of policies. Individuals can choose between Tenants Contents Insurance only or Tenants Liability Insurance only, or, a combination of the two. SJL Insurance Services also offer key and lock replacement services, as well as Mobile and Technology insurance and Domestic Freezer Contents replacements.
HOW MUCH IS TENANTS CONTENTS AND LIABILITY INSURANCE?
The cost will depend on the level of insurance cover you require and if you would like a singular or combined policy.
Receive a free, no obligation quote and protect your possessions and your landlord’s property, today.
Alternatively, please contact us at [email protected] or on +44 (0) 1905 27775
Contents and Liability Insurance Frequently Asked Questions
What is contents and liability insurance?
Contents and liability insurance helps protect businesses against financial losses linked to damaged equipment, office contents, stock, and legal claims made by third parties or employees. It is designed to provide comprehensive protection for businesses, landlords, offices, and commercial premises.
What does contents insurance cover for businesses?
Business contents insurance typically covers items such as office furniture, computers, electronic equipment, machinery, tools, stock, and fixtures against risks like fire, flood, theft, vandalism, and accidental damage. Cover can be tailored depending on the type of business and the value of its assets.
What is public liability insurance?
Public liability insurance protects businesses if a customer, visitor, contractor, or member of the public suffers injury or property damage connected to your business activities. It can help cover compensation claims, legal fees, and associated costs.
What is employers’ liability insurance and is it legally required?
Employers’ liability insurance protects businesses against claims from employees who suffer illness or injury as a result of their work. In the UK, most businesses with employees are legally required to have employers’ liability insurance in place.
Who needs contents and liability insurance?
Contents and liability insurance is suitable for businesses of all sizes, including offices, retailers, landlords, property managers, professional services firms, warehouses, and commercial property owners. Any business with physical assets or exposure to liability risks can benefit from tailored cover.
Can contents and liability insurance be customised?
Yes. Policies can be tailored to meet the specific needs of your business, including cover for high-value equipment, portable devices, stock, business interruption, legal expenses, cyber risks, and specialist liability requirements.
Does contents insurance cover theft and accidental damage?
Many contents insurance policies include cover for theft, attempted theft, accidental damage, and malicious damage. The level of protection will depend on the policy terms, security measures in place, and the type of business being insured.
How much does contents and liability insurance cost?
The cost of contents and liability insurance depends on factors such as the size of your business, industry sector, number of employees, claims history, location, and the value of your business contents. Tailored policies help ensure businesses only pay for the cover they need.
What is the difference between contents insurance and building insurance?
Contents insurance covers movable business assets such as equipment, stock, and furniture, while building insurance protects the physical structure of the property itself. Many businesses choose both types of cover for complete protection.
Why is specialist liability insurance important for businesses?
Specialist liability insurance helps businesses manage the financial risks associated with accidents, injuries, property damage, and legal disputes. Without adequate cover, businesses could face significant legal costs and compensation claims that may impact long-term financial stability.
and have peace of mind knowing that you're protected.
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