• Property Owners Liability
  • Alternative Accommodation
  • Loss of Rental Income
  • Communal Contents
  • Legal Cover is optional

Our Block Policies are Flexible

You can add or remove certain covers as requiredLift inspection policies can be bolted on. If you have a claim we can provide a claims handler who works FOR YOU, not the insurance company!

So our essentials in terms of the cover you will need are property owners liability cover in case someone is injured in the property. Employers liability cover in case a member of staff or volunteer is injured. Cover for damage which is malicious or intentional and for accidental damage.

Our recommended optional extras which are normally regarded as beneficial include:

Legal expenses to cover any legal advice or representation you need if someone makes a claim against you

Loss of rent or cover for alternative accommodation in case the block becomes uninhabitable for any reason.

There is a specialist insurance cover for Blocks of Flats with multiple tenancy types. For example, if there are shop units on the ground floor and residential above then standard block of flats insurance will not offer adequate cover.

If you are looking for an independent insurance quote then we can arrange policies for the freeholder, leaseholder or management companies. Cover can include all risks such as fire, storm, flood subsidence and escape of water.

We have access to many different insurance underwriters such as AXA, Zurich, RSA, Aviva and Allianz, for example. We can, therefore, ensure you the best cover for the best price!

Even if you convert your house to have multiple units/flats to let out to people you need a block of flats insurance.

Your block of flats insurance cover can extend to include common areas, landscaping, solar panels, malicious damage by tenants and accidental damage to your buildings.

Our block of flats insurance for multiple types of occupancy can also cover you for loss of rent following damage, alternative accommodation and unoccupancy cover.

Property Insurance Centre also offers legal protection insurance. Other aspects of cover for your policy that could be relevant are:

Contents of Common Parts – ensuring that shared areas of a block of flats such as stairs, entrance ways have adequate cover

Employers liability – this is compulsory if you employ staff to work at your block of flats such as a concierge, etc. Some of you may need Directors & Officers insurance.