Cover engineered for residential blocks and shared-ownership risk.
Blocks-of-flats insurance is a specialist class of buildings policy designed for multi-occupancy residential properties. It protects the structure, communal areas, and shared services that managing agents and freeholders are responsible for under the lease.
Insurance for residential apartment blocks of any size
Covers communal areas, shared systems and structural risk
Designed around the duties of managing agents and freeholders
Coverage
Comprehensive cover for every part of the block
Buildings Insurance
Full reinstatement cover for the structure, including reinstatement valuation guidance.
Public Liability
Protection against third-party injury or property damage in or around the block.
Employer’s Liability
Where caretakers, cleaners or porters are directly employed by the freeholder or RMC.
Communal Area Cover
Lobbies, lifts, stairwells, gardens and shared services protected as standard.
Loss of Rent / Service Charge
Protects income and service charge streams following an insured event.
Property Owners’ Legal
Optional legal expenses cover for disputes, recovery and contract issues.
Who It’s For
Built for the people responsible for the block
Managing Agents
Single policies or scheme-wide programmes across your entire portfolio.
Freeholders
Meet your lease obligations with compliant, fully insured cover.
Block Management Companies
RMCs and RTM companies acting on behalf of leaseholders.
Housing Associations
Specialist solutions for social and shared-ownership stock.
Key Risks
The exposures every block faces
Multi-occupancy buildings carry concentrated risk. Our policies are structured around the claims we see most often.
Fire & Structural Damage
Major-loss exposure across multiple units and shared structure.
Liability Claims
Slips, trips and injuries in lobbies, stairwells and external areas.
Escape of Water
Shared plumbing and risers — the most frequent block claim type.
Tenant-Related Risks
Damage, disputes and occupancy changes affecting the wider block.
Who It’s For
A broker that understands block management
Specialist Block Expertise
Dedicated team focused exclusively on multi-occupancy residential risk.
Competitive Insurer Access
Direct relationships with the leading UK block insurers and Lloyd’s markets.
Portfolio-Level Management
Scheme structures, common renewal dates and consolidated reporting.
Claims Handling Support
Hands-on support from FNOL through to settlement, working alongside your team.Single policies or scheme-wide programmes across your entire portfolio.
Our Process
Four steps from enquiry to cover
1
Block Assessment
Share lease, schedule of premises and current cover for review.
2
Risk Profiling
We assess construction, occupancy, claims history and exposures.
3
Market Comparison
Whole-of-market broking against our specialist insurer panel.
4
Tailored Policy Setup
Bind, document and onboard — ready for service charge accounting.
Common Questions
Frequently Asked Questions
What is block insurance?
Block insurance is a specialist buildings policy covering the structure, communal areas and shared services of a multi-occupancy residential property. It’s typically arranged by the freeholder, RMC or managing agent on behalf of the leaseholders.
Who is responsible for insurance in a block?
Responsibility is set out in the lease. In most cases the freeholder (or RMC/RTM company) is required to arrange buildings insurance for the whole block, with the cost recharged to leaseholders through the service charge.
Can service charges cover insurance?
Yes. Block insurance premiums are almost always recovered through the service charge, provided the lease permits it. We provide clear documentation to support transparent recharging to leaseholders.
Do I need separate cover for communal areas?
No — communal areas, lobbies, lifts, stairwells and external grounds are included as standard within a properly arranged block policy.
Can you insure portfolios of multiple blocks?
Absolutely. We arrange scheme structures and master policies for managing agents with anything from a handful of blocks to thousands of units across the UK.
Protect Your Block Today
Get a tailored block insurance quote from a specialist broker who understands managing agents, freeholders and leaseholder obligations.
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