Michael Wilson considers how many homeowners and occupiers may not benefit from the cover they think they do
Liability insurance is often seen by the buyer as something of little importance until the claim comes along. Solicitors’ dealings with liability insurance won’t normally require a detailed analysis of what the policy says – but there can be some unexpected outcomes.
Home insurance: buildings
The liability insurance under a domestic buildings policy will normally be described as below:
‘We will pay… for any one claim… that you or your family become legally liable to pay… arising from:
a) your ownership (but not occupation) of the buildings...’
Home insurance: contents
This will conta...
A homeowner or occupier… insured under a traditionally-worded policy will, effectively, have no liability cover at all if there is no contents insurance
