We have a tenant who runs a counselling business from home with clients calling in for sessions. When she first rented the house, we insisted on seeing her public liability insurance so that should a client slip or injure themselves, we would not be at risk of being sued.
With a lease renewal coming up, I'm thinking we should ask to sight the current insurance policy to ensure she has kept up the policy.
I'm also thinking we should write into the lease that we insist on her having such a policy in place.
But... how can we know she will not cancel it, or has not cancelled it after the first year. It would be in her best interests to have such a policy, but it is certainly something we need as landlords. We were told many years ago when someone was running a business from another house that this was required if clients came to the house (but not for a business without clients coming to the house).
Does anybody have any knowledge of how to ensure we protect ourselves in such a situation?
P.S. I will call the insurer who insures the IP and ask them, but I'm curious to hear from anybody who has dealt with this before.
With a lease renewal coming up, I'm thinking we should ask to sight the current insurance policy to ensure she has kept up the policy.
I'm also thinking we should write into the lease that we insist on her having such a policy in place.
But... how can we know she will not cancel it, or has not cancelled it after the first year. It would be in her best interests to have such a policy, but it is certainly something we need as landlords. We were told many years ago when someone was running a business from another house that this was required if clients came to the house (but not for a business without clients coming to the house).
Does anybody have any knowledge of how to ensure we protect ourselves in such a situation?
P.S. I will call the insurer who insures the IP and ask them, but I'm curious to hear from anybody who has dealt with this before.