Services

Block of Flats Insurance

Some Key Considerations

Every block of flats has its own unique set of risks and our specialist property team understand this only too well. They will do the work for you, reviewing your situation to find an appropriate policy that meets your needs, ensuring that you have adequate cover in place to give you peace of mind. They are dedicated to providing robust insurance.

Any property with two or more flats or apartments is referred to as a ‘block’ for insurance purposes. Every block of flats has its own unique set of risks and our specialist property team understand the issues in covering this type of property. They understand all aspects involved with specialist Block of Flats Insurance for landlords, residents associations or property managers and will do the work for you to find an appropriate policy that meets your needs.

Typically, you need cover for loss or damage caused by fire, storms, floods, malicious damage, as well as theft, accidental damage, and subsidence.

As property insurance experts with  many decades of experience and working with the top UK insurers, we can ensure we offer our clients the best terms and premiums. We have access to a wide range of insurance providers including A rated insurers, Lloyd’s underwriters and specialist property underwriters, giving us access to a broad acceptance criteria.

Standard building insurance policies may not cover all the aspects you need which is why we can provide regulated, impartial advice.  

We can also offer insurance cover for aspects such as communal contents, outbuildings including garages or gardens, replacement keys and alternative accommodation or loss of rent.

Additional Aspects you may with to Consider Protecting:

  • Walls, footpaths, private garages, and permanent fixtures and fittings
  • Communal areas including gardens
  • Property owners’ liability
  • Employers’ liability if you employ security or maintenance
  • Alterative accommodation should occupants need to move out following a fire or flood
  • Management liability insurance
  • Legal expenses
  • Terrorism cover

Inspection and Engineering Insurance

Did you know that certain inspections for mechanical, electrical or lifting equipment are a legal requirement. Passenger lifts for example must be inspected twice a year for health & safety compliance. You can incorporate breakdown cover into your Block of Flats Insurance policy.

If you run a management company then talk to us about Directors’ & Officers’ Liability Insurance for residential management companies.

Building Insurance Correctly Assessed

Check that your building is insured for the correct amount– talk to our team about RICS-approved surveys and valuations to avoid underinsurance issues in the event of a claim. 

Getting insurance at the right price is important, however ensuring that your business and property is protected through the right policy is paramount. Our experience, local service, bespoke cover, and competitive pricing means that you can save time and no matter how complex the risk, we’ve got you covered.

As well as Block of Flats Insurance , we can support you with a range of associated products and services.  Speak to your local experts now.          

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