Tenants & Residents Association Insurance

Protecting your community, one policy at a time.

Support, security and peace of mind.

Two or more flats to insure? We’ll make it easy

Your residents association plays a crucial role in maintaining and enhancing life in your block of flats. From organising meetings and events to managing communal areas, you work hard to build a thriving and harmonious community. But with responsibility comes risks—and that’s where tailored insurance for residents associations can help.

With decades of experience, we have been underwriting and producing specialist insurance policies for blocks of flats since 1993. Partnering with leading insurers such as Aviva, LV, Allianz, QBE, and RSA, we’ve built a reputation as a top insurance brokerage in the UK.

Why Is Residents Association Insurance Needed?

Running a residents association involves multiple activities that carry potential risks. Whether it’s a public liability claim from a visitor, a volunteer injury, or damage to communal property, unexpected issues can disrupt your operations and strain your finances. Our specialist insurance provides peace of mind, allowing your association to focus on building a better community.

What Does Residents Association Insurance Cover?

Public Liability

Protects your association if a member of the public is injured or their property is damaged as a result of your activities.

Property Cover

Safeguards the physical assets of your association, including equipment, documents, and furniture.

Directors & Officers

Protects directors and officers from personal liability arising from decisions made while managing a company.

Employer's Liability

Covers legal and compensation costs if an employee or volunteer is injured or falls ill while working for your association.

How Much Will It Cost?

For over 30 years, we’ve been offering highly competitive premiums for blocks of flats & residents associations, making us a trusted choice for an increasing number of clients every year. Our policies now come with additional discounts for features like effective block management, secure common areas, automatic fire protection systems, alarm systems, and valid electrical certificates—savings that many insurers don’t typically offer.

With a dedicated team of experienced professionals, we understand the unique challenges of managing flats. You can rely on us to create bespoke policies tailored specifically to meet the needs of your block, ensuring comprehensive and responsive coverage.

Our property experts are here to
make insuring flats easy.

Apartment interior - modern.

We have a team of experts ready to help you.

Your association deserves the best. Let us provide the coverage it needs.

Our flats insurance policies cater to both standard and non-standard constructions, including listed buildings. Whether you own small converted houses, large detached properties, warehouse and loft conversions, or purpose-built blocks of any size, we’ve got you covered. Our coverage extends to properties in city centres, historic market towns, inland waterways, and seaside destinations, to name just a few.

Arranging block of flats insurance can be complex, as it differs significantly from regular home insurance. A block policy provides essential protection for property owners, offering funds to cover repair costs if the property is damaged and even the cost of rebuilding in the event of a ‘total loss.’

It’s not just the building that requires protection. Consider any landscaping, gardens, garages, or outbuildings. Ensure these are covered under your block of flats insurance policy, and if not, you may be able to add them for comprehensive coverage.

Tailored Solutions

Flexible options designed to meet the unique requirements of your block of flats.

Trusted Expertise

Backed by years of experience in supporting residential and community associations.

Peace of Mind

Safeguard your property, liabilities, and people with reliable, robust insurance solutions—all at competitive premiums.

A-One In-house claims shield

Our in-house claims department

Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.

This means you'll have one point of contact to manage your claim from start to finish.

Additional Options

Managing a block of flats comes with unique challenges and responsibilities, from ensuring the safety and comfort of residents to maintaining the building’s structural integrity. One critical aspect of property management is securing comprehensive insurance coverage. Standard blocks of flats insurance typically covers the basics such as building protection, liability, and some level of contents coverage. However, additional options are available that can provide more extensive protection tailored to the specific needs of block owners and managers.

These additional options enhance the standard policy, addressing the various risks and scenarios that could impact the property and its residents. By considering these supplementary coverages, property managers can ensure they are better prepared for unforeseen events and mitigate potential financial losses.

Director's & Officers (D&O)

Protects directors and officers from personal liability arising from decisions made while managing a company.

Approved Property Valuations

We’re pleased to work with rebuildcostassessment.com to offer both on-site and desktop valuations.

Lifts, Plant & Machinery

Offers inspection and cover in a single policy, ensuring compliance with legal standards for lifts and machinery.

Terrorism Cover

Cover for damage caused to your property as a result of an act of terrorism.

Residents Association Insurance FAQ’s

Are discounts available for safety measures in place?

Yes, many insurers offer discounts for properties with safety measures such as fire alarms, CCTV, secure entry systems, and up-to-date electrical certificates. Ensuring good block management can also reduce premiums.

Do we need employers’ liability insurance if we only use volunteers?
Yes, employers’ liability insurance is typically required by law if your association uses volunteers or hires contractors. It protects against claims if a volunteer or worker is injured or falls ill while working for the association.
Who needs blocks of flats insurance?
Blocks of flats insurance is essential for property owners, landlords, and management companies responsible for residential apartment buildings. Whether you own a small block of apartments or a large complex, this insurance ensures your investment is protected against unforeseen events.
How are claims handled?
We have a dedicated in-house claims team to assist you from start to finish. You will be assigned a personal account handler who will manage your claim and provide guidance throughout the process.