Lay My Hat

Thanks for the input folks.
The way it's looking is... owner has responsibility for the upkeep, maintenance and safety of the property and carries the ultimate liability - therefore carries the cover.
Agent is merely acting on the owners behalf.

If folks use the likes of Sykes to manage their properties, do you carry your own public liability or does Sykes provide it? It must be possible to get liability cover for a management co. however this is probably into 'specialist' insurance i.e. crazy expensive. Just looking to structure my arrange...

Depends what your looking to Insure. If its the property, then it would be in the name of Company X. The Ltd Comp Y requires Insurance as a management agent. So technically two policies are required covering different covers. You are obviously setting up two companies for a reason. So why do you th...

Sorry - I misunderstood - is it that you have set up two limited companies yourself? One to own the property and a separate one to manage it? Exactly that. To insulate the property owning company from potential litigation. The booking would be via the management company, unfortunately this then thr...

I have a holiday let owned by Ltd Company X. This will be managed by Ltd Company Y. As far as I am aware I need public liability cover for Company Y, as it is this company that the tenant will have a contract with and, in theory, the one that the tenant would sue if something went wrong. However, th...

Don't know about England but EICR & PAT testing is now compulsory in Scotland. I looked into PAT testing myself but, to do it properly, you need some expensive kit which (should) be calibrated each year. I worked out it was cheaper to get someone in.