Do I Have Any Responsibility for Visitors on My Premises?
Yes. Under the Occupiers’ Liability Act, you may be responsible for injuries to a person who is lawfully present on your property or on property over which you have control. You have a duty to every visitor on the premises to take reasonable care to see that that person is reasonably safe while using the premises. This duty applies to what condition the property is in, what activities are on the property, as well as what third parties are doing on the property. Also, it may not be enough to put a warning on your property to keep you from being legally liable for any injuries. For example, if you invite someone to your home and that persons slips on a loose carpet and breaks a leg, you could be liable and have to pay compensation to the person.
Do I Need Insurance?
Yes. Your landlord will carry insurance that will cover damage to the property itself. However, this will not include your personal possessions. Also, if someone who has been hurt on the property sues you, you will need separate insurance to cover this. Tenant’s insurance is relatively cheap and covers these situations and will cover your own possessions. This type of insurance usually covers thefts for vehicles if car insurance will not cover the theft, so it is worthwhile.