Here's an odd one, hopefully someone know the answer.
I own the leasehold to a flat in a converted 1850s building. The flat it was discovered has a chalk mine underneath and the council recently spent millions filling it in to make it safe. Regardless, the building insurance is very expensive I'm told (paid via maintenance payments).
18 months ago one of my tenants pulled a cupboard onto his head and is seeking financial compensation (another story), leading me to get landlords insurance moving forward as this includes public liability.
However I've been told I cant get landloards insurance as a) the building is already insured (can double insure I suppose) but b) the mine works mean no one will insure it.
I don't really require buildings inusrance as that's already done, I think I just need the public liability insurance.
My question is can I get this on its own and is it suitable for protecting me against tenants sueing me for injuries due to furniture etc? If I can get it, do I need one per property or just one for me full stop?
Thank you all.