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Landlord Insurance Responsibilty
MgStu
Posts: 10 Forumite
Hi
I am a landlord that has been contacted by an insurance company claiming a British Gas engineer has injured himself on our stairs because of a loose handrail. We always maintain our property and had no reports of a loose handrail. Are we liable or has there been no negligence?
Also, wouldn’t he be insured for this type of incident by British Gas.
Sorry new to this and it has caught on the hop where we are really not sure what to do.
Thanks for any advice.
I am a landlord that has been contacted by an insurance company claiming a British Gas engineer has injured himself on our stairs because of a loose handrail. We always maintain our property and had no reports of a loose handrail. Are we liable or has there been no negligence?
Also, wouldn’t he be insured for this type of incident by British Gas.
Sorry new to this and it has caught on the hop where we are really not sure what to do.
Thanks for any advice.
0
Comments
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Yes, and in turn their insurance company is entitled to pursue you. But you're probably insured for it too (it's a normal part of home insurance policies), so you pass the claim to your insurers and leave them to fight it out.wouldn’t he be insured for this type of incident by British Gas.0 -
As David says.
Have you spoken to your tenants and found out what happened? Or your letting agent?
Have you been to the property and inspected the loose handrail (and repaired!)?0 -
I don't know what other more informed people on here think but I'd be phoning the tenants of the property and asking them what happened if anything, just so I know if there had been a problem or not. If nothing else you can ask them (or visit and check yourself) if the bannister is loose. I know it happened to me (bannister loosened) in the private rental I was in. But LL gave me new supports and I fixed it pretty quickly.0
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Check your landlords insurance to confirm that you have 3rd party liability cover.0
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