Fire Safety Compliance and Insurance for Property Managers
Since Grenfell, UK fire safety compliance has become so tightly interlinked with insurance that a single documentation gap — an out-of-date fire risk assessment, a missed fire door check, or a missing EWS1 form — can be enough for an insurer to reduce, void, or decline a claim. Property managers acting as the "responsible person" under the Regulatory Reform (Fire Safety) Order 2005 now face unlimited fines and up to two years' imprisonment for serious breaches, alongside new duties under the Fire Safety Act 2021, Fire Safety (England) Regulations 2022, and Building Safety Act 2022. Buildings over 11 metres require quarterly communal fire door checks and annual flat entrance door inspections, while those over 18 metres or seven storeys must be registered with the Building Safety Regulator and maintain a golden thread of building information. From April 2026, responsible persons for buildings 18 metres and above must also provide [...]
