tenants and neighbors liability
Tenants and neighbors liability is a coverage that applies in countries (such as France) where the Napoleonic Code exists and is often written subject to a specified sublimit.
Additional Information
Under the Napoleonic Code, a tenant may be presumed liable for fire, water, or explosion damage that originates on the insured's premises and spreads to premises occupied by other tenants. A landlord may also be liable for maintenance or constructional defects. Coverage includes the following.
- The liability of tenants, meaning the financial consequences of the insured's liability as a tenant to the landlord
- The liability of neighbors, meaning the financial consequences of the insured's liability for damage to property of other tenants in the same building
- The liability of the landlord, meaning liability imposed on the insured as a landlord for constructional defects or lack of maintenance
