WEGs with sidewalks, driveways, courtyards, gardens, playgrounds, parking areas, or shared access routes.
Coverage
Liability protection for WEGs as property owners
House and landowner liability
House and landowner liability helps protect the WEG when third parties claim injury or property damage connected to the building, land, common areas, or traffic safety duties.Program fitHouse and landowner liability
- Defense against unjustified claims and payment of justified liability claims.
- Personal injury, property damage, and resulting financial loss tied to ownership of the insured property.
- Typical exposures from sidewalks, stairwells, elevators, trees, lighting, roof components, and common areas.
Who this is for
Ingo separates WEG object insurance from the property manager's own business risk, so owners and managers can make cleaner decisions.
Property managers coordinating winter service, cleaning, gardening, maintenance, and contractor duties.
Buildings where traffic safety, lighting, trees, stairs, roof parts, or common areas create recurring exposure.
What to watch
WEG insurance decisions need to be understandable for owners while still being precise enough for underwriting, claims, and renewals.
Winter service and traffic safety duties need documented delegation and control, not just a service contract.
Claims can involve visitors, tenants, owners, neighbors, delivery services, and contractors.
Older policies may not fit today's building use, shared spaces, charging stations, or photovoltaic systems.
How Ingo reviews it
A clear review turns policy wording, object data, claims history, and owners' meeting decisions into practical options.
Map the property, public access points, delegated duties, and service provider responsibilities.
Review limits, insured persons, co-insured risks, exclusions, and contractual risk transfer.
Align the policy with cleaning, winter service, gardening, facility management, and maintenance contracts.
Review checklist
Bring these materials to a broker conversation so the review can move from policy labels to concrete terms.
- Current liability policy and insured property description
- Winter service, cleaning, gardening, and facility service contracts
- Documentation of inspections and delegated traffic safety duties
- Information on elevators, playgrounds, parking, trees, PV systems, and charging points
Common questions
Why does a WEG need house and landowner liability?
The WEG can be held liable as property owner if people are injured or property is damaged because traffic safety or maintenance duties were breached.
Does a service provider remove the WEG's liability risk?
No. Delegation helps, but the WEG and manager should document selection, instruction, and reasonable control of service providers.
Review WEG insurance before renewal pressure starts.
Compare policy wording, deductibles, exclusions, and object data before the next owners' meeting.