Suzie
Verified Customer
Quick and easy process, Chris was very helpful in ensuring we get the right cover for a reasonable price.
Would highly recommend.
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Block of Flats Insurance
Block of Flats Insurance
Specialist insurance solutions for blocks of flats, freeholders and residential management companies. Comprehensive buildings, liability and loss of rent cover arranged by Taurus Risk.
Freeholders & RMCs
At Taurus Risk, we understand that your block of flats is a valuable investment requiring comprehensive protection. Our block of flats insurance policies cover the entire building, communal areas, legal liabilities and loss of rent, helping you safeguard your property and meet your obligations with confidence.
Whether you own a freehold block, manage a residential management company or act as a managing agent, we arrange policies that reflect the unique risk profile of each building, from purpose-built apartment blocks to converted period properties and high-rise residential developments.
Why It Matters
Why Block of Flats Insurance Matters
Block of flats insurance provides essential financial protection against damage, theft, accidental damage and liability claims affecting your building and communal spaces. The right cover reduces the risk of costly repairs, legal fees and loss of rental income, while ensuring compliance with lease terms and legal requirements.
Structural Protection
Covers walls, roofs, foundations, windows, doors and fixed installations such as heating, lifts and secure entry systems.
Communal Areas
Protects stairwells, hallways, gardens, parking and external structures shared by all leaseholders and visitors.
Liability Defence
Property owners' and public liability cover defends against third party injury and property damage claims.
Key Cover
Block of Flats Insurance Cover
Every block of flats is unique. Taurus Risk arranges flexible insurance solutions designed to protect your building value, communal facilities and legal responsibilities.
Buildings Insurance
Cover for the block's structure including walls, roofs, foundations, communal areas, lifts and secure entry systems.
Public & Property Owners' Liability
Protection against third party injury or property damage claims arising from communal areas such as stairwells, gardens or car parks.
Loss of Rent
Maintains rental income, ground rent and service charge income if flats become uninhabitable following an insured event.
Legal Expenses
Cover for legal fees relating to property disputes, leaseholder conflicts and tribunal proceedings.
Full Coverage Options
Buildings insurance for the entire block
Communal areas, gardens and parking
Lifts, heating and secure entry systems
Property owners' liability insurance
Public liability insurance
Loss of rent and alternative accommodation
Legal expenses insurance
Accidental damage protection
Terrorism insurance (optional)
Engineering inspections (optional)
Unoccupied property cover (optional)
Featured Cover
All Risks Cover
Comprehensive protection against a wide range of insured perils - so your block, leaseholders and rental income stay safeguarded against the unexpected.
Included as standard on most block policies
Fire, smoke and explosion
Flood and storm damage
Escape of water and burst pipes
Theft, vandalism and malicious damage
Impact, subsidence and falling objects
Accidental damage to the building
How It Works
How Your Policy Works
When you request a block of flats insurance quote, we carry out a detailed risk assessment to ensure your policy provides adequate coverage at competitive premiums. Our underwriters review:
- Building type, age and construction
- Reinstatement value of the block
- Number of flats and communal facilities
- Claims history and risk factors such as cladding or previous water leaks
- Fire safety and security measures
- Lease terms and management arrangements
Types of Blocks We Insure
Freehold blocks of flats
Residential management companies (RMCs)
Right to manage companies (RTMs)
Purpose-built apartment blocks
Converted period properties
High-rise residential blocks
Mansion blocks and mansion flats
Mixed tenure blocks
Why Taurus
Why Choose Taurus Risk?
Our block of flats insurance specialists combine deep market access with practical claims support, helping freeholders and managing agents protect their buildings and residents.
Access to specialist insurers for complex or high-risk blocks
Clear, transparent policy documents with no hidden exclusions
Dedicated claims support to handle flats insurance claims smoothly
Experience covering both standard and complex high-rise blocks
FCA regulated, independent advice focused on your property's needs
Expertise in landlord, leasehold and freehold block requirements
Reinstatement valuation guidance to avoid underinsurance penalties
Long-standing insurer relationships across the UK market
FAQs
Frequently Asked Questions
Common questions about block of flats insurance answered.
Ready to Protect Your Block of Flats?
Ensure your building, communal areas and legal liabilities are fully covered with block of flats insurance from Taurus Risk.
Managing multiple buildings or a wider residential portfolio? Explore our portfolio landlord insurance for cover across two or more properties on a single schedule.
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