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Each of these aspects are common to home owners in any case, with structural damage and theft both features of a general residential property insurance policy.

However, what is certainly different is if any injury is suffered by occupants. In such a case, it is generally a family member of the home owner that is injured, and compensation is not sought by them.

However, much like a customer in a shop or an employee in an office, a tenant is entitled to sue their landlord if the landlord is proven to be at fault.

So, should there be a serious water leak in the house, and the property of a tenant be damaged or destroyed, they can claim the value of the property back.

Similarly, if there is a fire and property is lost, then they can also seek compensation from the landlord.

Getting insurance that directly caters for the landlord is important then, and most insurers are happy to accommodate the particular aspects required.

For example, after a break in, it is possible to get a significant sum to have locks and keys changed. And, if a tenant slips on the stairs and it is proven that a loose step was the reason, the policy can cover medical bills and legal fees, should the incident become a matter for the courts.

However, will also compensate the landlord in the event walk in freezer for sale that furniture or utilities are damaged by tenants, requiring them to be serviced, repaired or replaced.

That facility also stands for damage done to the exterior of the property, with front gates, garages and even garden landscaping all being included.

Meanwhile, the availability of contractors all risk insurance means that an electrician can be fully covered while at work, even though he is not working on his own property.

More importantly, as far as their employer is concerned, a tradesman with this policy is accepting liability, negating the risk of compensation.

Remember, that when getting any commercial property insurance quote, it is essential to explain accurately the true nature of the building itself.

This can have a huge bearing on, not just the choice of policy but the consequences in the event of a claim. So, speaking to an insurance agent in detail is essential.