The Council will arrange and maintain buildings insurance for the external fabric of the building and fixtures and fittings belonging to the Council. This includes sinks, toilets and built in units, for example. The Council will recover the premium from the tenant. This is invoiced by the Risk Management Team and is usually paid annually.
The Council arranges two building insurance policies for tenants to choose from. Both cover standard risks such as fire, lightning, explosion, aircraft, riot and civil commotion, earthquake, escape of water, storm, flood and impact. The second policy provides additional cover items. If you are unsure which policy is most suitable for you, you should seek your own independent insurance advice.
The tenant is required to maintain suitable insurance for all contents placed in the property. Tenant’s insurance should also cover external doors, windows and glass. Back To Top
The tenant is required to maintain Public Liability Insurance to cover you for any damage or injury to a third party (or their property) attending the building. The tenant is also liable to indemnify the landlord against all claims for loss, damage and injury, including death if the tenant is at fault.