What does block of flats insurance cover?

Block of flats insurance typically covers the building's structure, communal areas, property owners' liability, public liability, loss of rent, legal expenses and all risks such as fire, flood, theft and escape of water. Optional add-ons include terrorism, accidental damage and engineering inspections.

Who needs block of flats insurance?

Freeholders, residential management companies (RMCs), right to manage companies (RTMs) and managing agents responsible for arranging insurance under the terms of the lease typically need block of flats insurance.

Does block of flats insurance cover communal areas?

Yes. Cover extends to communal areas including stairwells, hallways, lifts, gardens, parking, and external structures, ensuring the entire shared parts of the block are protected.

How is the buildings sum insured calculated?

The buildings sum insured should reflect the full rebuilding cost of the block, including professional fees, debris removal and VAT where applicable. A professional reinstatement cost assessment is recommended to avoid underinsurance penalties.

Does block of flats insurance cover personal liability of freeholders or managing agents?

No. The policy does not cover personal liability of freeholders, managing agents or directors. It does cover third party property damage and bodily injury claims brought against the insured in relation to the insured premises. Separate Directors & Officers cover may be required.

Can I insure a block with cladding issues?

Yes. Taurus Risk has access to specialist insurers experienced in placing cover for blocks with cladding, EWS1 issues or other higher-risk features. Each case is assessed on its own merits.

What affects block of flats insurance premiums?

Premiums are influenced by the building's age, construction, height, reinstatement value, number of flats, claims history, fire safety and security measures, lease arrangements and risk factors such as cladding or previous water leaks.

How quickly can cover be arranged?

Once full property details are received, Taurus Risk can typically provide quotes within 24 to 48 hours. Cover can usually be put in place shortly after underwriting approval.

Is terrorism insurance included?

Terrorism cover is generally available as an optional extension. Many leases and lenders require terrorism insurance to be in place, and we can arrange this alongside the main buildings policy.

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Q: What is loss of rent cover on a block of flats policy?

Loss of rent insurance maintains rental income, ground rent and service charge income if flats become uninhabitable following an insured event. It can also cover alternative accommodation costs where the lease requires it.

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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.

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Period London block of flats with white stucco facades and ornate balconies

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

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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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