Terrorism Insurance for Blocks of Flats

Protecting against property damage, financial losses, and extra security costs so you can stay prepared and confident

Complete Property Terrorism Protection

Security starts with the right coverage.

In an unpredictable world, businesses and property owners face a growing need to protect their assets against the devastating impact of terrorism. Standard insurance policies often exclude damage caused by acts of terrorism, leaving businesses vulnerable to financial loss. Our specialist Terrorism Insurance ensures that your property, assets, and operations are safeguarded against such risks, providing essential financial protection and peace of mind.

What Does Terrorism Insurance Cover?

Protecting your property isn’t just about covering the basics—it’s about safeguarding it against every possible threat, including the unexpected risks of terrorism.

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Property Damage

Covers repairs or rebuild costs if your building or assets are damaged due to a terrorist attack.

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Loss of Rent

Financial support for loss of rental income or the cost of temporary housing if tenants are displaced.

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Denial of Access

Covers losses if authorities prevent access to premises due to a terrorism-related incident nearby.

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Public Liability Risks

Protects against liability claims arising from injuries or damages linked to a terrorist act.

When disaster strikes, be prepared. Our Terrorism Insurance ensures financial security and business continuity.

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Why Your Block of Flats Needs Terrorism Insurance

Uncertainty is inevitable, but financial loss doesn’t have to be—protect your property, business, and community with specialist Terrorism Insurance.

When it comes to protecting your block of flats, terrorism insurance is an essential safeguard that many property owners overlook. Not only does it help you stay compliant with lease and mortgage requirements, but it also provides crucial financial protection in the event of a terrorist incident. Without it, you could face significant costs for repairs, lost rental income, or alternative accommodation for residents. Investing in terrorism insurance ensures your property, finances, and peace of mind remain secure against unexpected risks. Here’s why having the right cover is so important:

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Meeting Lease and Mortgage Requirements

Many leases and mortgage agreements require comprehensive insurance that includes coverage for explosions, a risk often linked to terrorism. A key legal case in 2014 (Qdime) reinforced that if a lease demands explosion coverage, it also implies the need for terrorism insurance.

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Protecting Your Finances

Without terrorism insurance, you could be left facing hefty repair bills, lost rental income, or the cost of alternative accommodation if your property becomes uninhabitable due to a terrorist incident.

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Ensuring Peace of Mind

Having the right cover in place not only keeps you legally compliant but also protects your financial security, giving you confidence that your property and investment are safeguarded against unexpected threats.

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.

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Key Benefits of Partnering with A-One

Protecting blocks of flats is where we excel. Let us help you.

At A-One, we specialise in providing tailored insurance solutions for blocks of flats, ensuring that your property is comprehensively protected. Our expertise allows us to navigate the complexities of terrorism insurance, offering policies that align with your specific requirements and obligations.

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Custom Cover

We assess your property’s unique needs to provide insurance solutions that offer optimal protection.

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Competitive Premium

Through our established relationships with leading insurers, we secure favorable premiums without compromising on coverage quality.

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Dedicated Support

Our team is committed to guiding you through the insurance process, from initial consultation to claims assistance, ensuring a seamless experience.

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Terrorism Insurance FAQ’s

What is terrorism insurance for blocks of flats?

Terrorism insurance provides financial protection against damage and losses caused by terrorist attacks. Standard property insurance often excludes terrorism-related incidents, making this cover essential for ensuring your block of flats is fully protected.

Is terrorism insurance mandatory for my block of flats?

While not legally required, many lease agreements and mortgage lenders mandate comprehensive buildings insurance, which includes protection against explosions—a risk associated with terrorism. A 2014 court ruling (Qdime case) confirmed that if a lease requires explosion cover, it also implies the need for terrorism insurance.

Who is responsible for arranging terrorism insurance?

The responsibility depends on the building’s ownership structure: • Freeholder/Landlord – Typically responsible for arranging insurance, including terrorism cover. • Residents’ Management Company (RMC) or Right to Manage (RTM) Company – If leaseholders manage the property collectively, they often arrange the insurance. • Individual Leaseholders – If the lease states that each leaseholder must arrange their own insurance, they may need to check if terrorism cover is included.

How much does terrorism insurance cost for a block of flats?

The cost depends on various factors, including the building’s location, size, risk level, and the extent of coverage required. Properties in high-risk areas may have higher premiums, but securing the right cover ensures financial protection against potential losses.