Landlord insurance in Dorchester

Dorchester ranges from the Georgian streets of Thomas Hardy's Casterbridge to the new-build streets of Poundbury on its edge, and a landlord's portfolio here often spans both. The older, publicly-fronted properties bring a liability edge that newer stock does not.

Where the risks come from for Dorchester landlords

Where a let opens straight onto a street or a shared path, the owner's duty to keep the structure safe for tenants and passers-by is a real one. A crumbling step, a loose railing or a falling piece of masonry from a period frontage can injure someone, and the claim lands on the landlord.

A Dorchester example

A visitor to a period town-centre flat trips on a worn external step that had been flagged but not repaired, and breaks a wrist. A property owners' liability claim follows, covering the injury settlement and the legal costs, the kind of five-figure exposure that has nothing to do with the building burning or flooding.

What landlord insurance covers

Property owners' liability, typically up to a few million pounds, is the cover that answers for injury or damage to third parties, and it is the part landlords notice least until they need it. It should sit on the policy beside full buildings cover and loss of rent for every let, period or new-build.

Placing it in Dorchester with Apex

Mixed portfolios of old and new property are our daily work; we make sure the liability limits actually fit the exposure rather than defaulting to the smallest option. Apex places the whole book through one contact and a choice of insurer markets. Regulated by the FCA, broking since 2009.

Related

• Commercial property insurance Dorchester
• Business insurance Dorchester
• Public liability insurance Dorchester