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There's no legal obligation for you to have landlord insurance, but most buy-to-let mortgages come with the condition that you have it. Being a landlord comes with risks that you don't have when you live in your own home.
When a landlord fails to use reasonable care to protect their tenants, they can be held liable for the negligent or intentional criminal conduct of a third party.
In most cases, landlords will be responsible for tenant injuries when they are legally obligated to maintain and repair the injury-causing factor. For example, if a tenant is injured after falling on a broken stair in a common area that's supposed to be maintained by the landlord, the landlord is likely liable.