Property owners without adequate insurance could face financial ruin!

Jhai Mitchell

Property owners without adequate public liability insurance could face financial ruin if tenants or their visitors are injured on their rental property.  And the worst part about many accidents is that they could easily have been avoided.  Classic examples of problems that could turn into legal minefields include windows that do not have safety glass, balconies and stairs that are not secure, slippery paths and inadequate lighting.  Some other potential hazards are:


  1. Trees - overhanging, low, or unstable branches should be lopped
  2. Roof Tiles & Guttering - should be secure to prevent injuries from flying debris.
  3. Balconies - need to be stable, with no rotting posts or supports
  4. Windows - should have safety glass
  5. Taps - should be fitted with temperature controllers to prevent scalding
  6. Garden Hoses - pedestrians can trip on hoses left on footpaths
  7. Electricity - safety switches must be installed to prevent electrocution
  8. Garden Paths - should not be slippery, or have loose or cracked pavers
  9. Stairs - should have stable safety rails
  10. Carpets - must be in good condition and not frayed or in need of stretching, which could cause an accident. This is especially important on staircases


Given the explosion in litigation (generated in part by the aggressive advertising by the legal fraternity on a ‘no win, no charge’ basis and the increasing number of class actions) we believe that public liability insurance is a necessity for all property owners.  You should check with your insurance adviser to ensure you have the correct policy and sufficient cover, at your own home and investment property.