Social Housing Insurance, Housing Association Insurance Cover

For more than 50 years, we’ve supported social housing organisations with comprehensive insurance programmes designed to address their coverage needs. Gallagher’s Social Housing team works exclusively with social housing providers and other tenancy organisations in the UK. We use our deep understanding of their needs and challenges to deliver actionable insights and help reduce their total cost of risk.

Supporting you with flexible coverage that reflects your current and future needs

We provide your organisation with a range of coverage options, dedicated claims management and intuitive risk management services.

Insurance for social housing organisations

With an in-depth understanding of your needs supported by a wealth of local and global resources, we design insurance programmes with our social housing clients based on their specific needs. Our expertise covers social care providers, hostels, care homes, extra care and domiciliary care, as well as training and employment services. We cater to the full range of social housing insurance cover our clients require, while also providing dedicated claims management and risk management services.

Service Highlights

The in-house risk management expertise that we offer covers services starting from contract due diligence to property reinstatement valuation, including operational and strategic risk management, business continuity and fleet management.

We provide our clients with a competitive edge by leveraging our wealth of sector experience, including procurement expertise as a trusted advisor for more than 300 social housing clients.

All claims are managed by our in-house, experienced team of social housing claims specialists who support you and get the settlements from insurers. We deliver:

Dedicated claims contact
Flexible claims process to ensure effective management
Handling and advising on all claims, regardless of whether they are above or below the excess
No claims handling fees added to the cost of your claims

We provide clients with access to A- rated markets, bespoke products and services, which include tenants contents, captive and employee wellbeing solutions by nurturing exclusive insurer relationships.

Dedicated team of specialists, supporting you at every step

Our team of social housing specialists partner with you to share an impartial assessment of your existing insurance programmes, identify potential exposure and work with you to develop and implement strategies that help you reduce your total cost of risk.

From the more traditional covers such as property, business interruption and liability, to special risks including reputational risk, crisis resilience and cybersecurity, we can deliver a single, integrated programme to cover your business exposures.

We also offer our clients a broad range of advisory and support services.

Claims data review

Our claims consulting team conducts file reviews adhering to best practices to ensures your claims history is as clean and accurate as possible, developing a true picture of your claims profile to enable more proactive discussions with insurers.

With claims data analysis we help you:

Identify potential risks and vulnerabilities in the business
Improve operational efficiency
Enhance customer experience
Detect and prevent fraud
Ensure compliance and regulatory adherence
Make business decisions based on data-driven insights

Contract due diligence

As part of contract due diligence, we advise clients on the correct handling of insurance issues within contracts and ensure to include the unique features of public procurement into the contract negotiations.

Our subject matter due diligence advisory team will review contracts to ensure they reflect your risk appetite and that of the sector with which you are engaging.
By implementing good contract governance, we deliver better value for money for the public purse in the procurement of key goods and services.
Appropriate risk allocation ensures that your separate interests are protected with robust measures in place to ensure the delivery of your requirements.

Programme design

We provide clients with actionable insights using programme design, to help you make data-driven decisions with confidence.

Using actuarial modelling, peer reviews and sector benchmarking we can help you to identify the optimum programme structure for your organisation.
Our modelling also calculates retained losses for a range of excess levels and programme styles allowing us to estimate the insurance premium for each.
By adding the technical premium to the retained losses, we can help you identify which option is the most cost effective.

Risk landscaping

We understand that effective service delivery, within any organisation, is underpinned by a strong understanding of the risk you face and the development of strategies to mitigate the impact of an adverse event.

We review strategic documents to identify insurable risks, which combined with a gap analysis can help us to identify whether current programmes adequately reflect the risks you carry now, not just those that were in place at the last tender exercise.
Our review helps you understand the risks faced today and those likely to arise due to known future developments.
We offer clients the ability to review their governance structure in its entirety, factoring in structural changes to their business and develop resilience plans that maintain service delivery.

Innovation, not just insurance

Innovation is at the core of our approach to deliver the most suitable coverage for our clients. We're committed to finding solutions to the problems UK’s social housing sector faces today and are dedicated to preparing our clients for the challenges that tomorrow presents. Whether it's building new products to respond to a challenging insurance market or developing risk management services that keep pace with the evolving risk landscape, at Gallagher we help you face the future with confidence.