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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.
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.
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.