Blocks of flats insurance
One building. Several interests to understand.
Insurance enquiries for owners and those responsible for blocks of flats and shared residential buildings. We start with the building, the ownership and the responsibility for arranging cover.
A renewal, a change or a new requirement?
The conversation behind the cover
Responsibility for the building
Tell us who owns the freehold, who manages the building and who is arranging insurance. We need to understand the parties involved before discussing the relevant interests.
The property and its use
Number of units, construction, occupancy and any commercial use are useful starting points. Flag known issues, unusual construction, planned works or unoccupied areas for discussion.
The insurance information
Existing schedules, rebuilding information and claims records may be needed later. The team will explain what is required and how to provide it appropriately.
The terms that affect decisions
We explain the recommendation, limits, exclusions and conditions. Ask about relevant excesses, responsibilities and the claims route so these are understood before deciding.
Useful to know
Before you enquire.
Cover depends on the individual risk, insurer acceptance and policy terms. Sending an enquiry does not put cover in place.
Explore residential letting & buildings ↗Do you work with managing agents?
We can discuss an enquiry with the party responsible for a residential building, including an authorised managing agent or adviser. Explain your role at the outset.
What if the building has commercial space?
Flag this before relying on a residential arrangement. The full use of the building needs to be assessed before the scope and availability of cover can be established.
Can I send the residents’ information with my enquiry?
Start with a general description of the building. Do not include residents’ personal information in the initial message; agree an appropriate sharing route first.
A direct conversation
Let’s begin with what matters to you.
A renewal, a change or a new requirement. Start with a brief outline.