Thanks. Part of the problem is that the owner of the property is not a nice guy and is basically saying that as it was my responsibility to insure the pub he will not get involved.

I have taken out insurance with an insurer for a pub. I am the manager and licencee of the pub. Then a lady parked in the pub car park to use a local shop. She slipped up and is now claiming under the liability section of the insurance policy. Problem is that the owners of the pub and I do not have a legal agreement in place. No tenancy agreement exists in order to establish my responsibilites . There is a letter from the owners to myself but no formal written contract. The insurance company are saying that I need one and without it they are refusing to deal with the claim. Is there anything I can do to stop the lady claiming straight from me?