Blocks of Flats Insurance

Insuring a block of flats or a building converted into flats is very different to insuring other types of property. With flats insurance there is inevitably a need for the policyholder to fulfil the requirements of the lease whilst, at the same time, recognising the beneficiaries of the policy i.e. the flat owners.

Unfortunately, many policies that are sold for blocks of flats are, in fact, based on generic property owners’ policies and, as such, the policy wording may not be sufficient to meet your needs. Some of the major areas you should consider include:-

  • Unoccupancy terms
  • Types of occupants/tenants
  • Inspection of unoccupied flats & flat roofs
  • Adequacy of sum insured for alternative accommodation according to block size
  • Legal requirement to inspect lifts & arrange Employers Liability

Typical features of our Blocks of Flats Insurance may include;

  • Full All Risks Cover on Buildings (including cover for out buildings, fences, paths, landscaped gardens and car parks)
  • Loss of Rent or Alternative Accommodation expenses
  • Public/Property Owner’s and Employer’s Liability
  • Cover for loss of metered water
  • Damage to fixed glass and sanitary ware
  • Trace and Access
  • Loss of keys
  • Day 1 uplift or index linked sums insured
  • Contents of communal areas
  • Lessee’s fixtures & improvements
  • Terrorism cover
  • Directors and Officers Liability
  • Professional Indemnity Insurance
  • Legal Expenses Insurance
  • Contractors All Risks and Contractors Works Insurance
  • Environmental Impairment Liability
  • Statutory Engineering Inspection and Insurance for lifts
  • Health and Safety and Risk Assessment advice and guidance.
  • Qualified in-house Loss Adjusters for Claims Management
  • In-house Risk Management experts
  • Direct Debit monthly payment plans available
  • No Claims Discount
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    Established in 1972, Thomas Carroll is a multi discipline risk consultancy covering business and personal insurance, financial services, health, safety and employment law.
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