Block of flats insurance is a type of building insurance designed to protect residential buildings containing multiple flats under a single policy. It can be suitable for freeholders, leaseholders, landlords and property managers, with coverage typically including the building structure, property owners' liability and loss of rent.
A block of flats insurance policy typically includes protection for:
Speak to a block of flats insurance specialist.
Our specialists work with insurers experienced in residential property risks, helping secure suitable and cost-effective cover for buildings ranging from two flats to developments of up to 200 units.
From converted properties and listed buildings to purpose-built developments and large apartment complexes, we help arrange residential block insurance for a broad range of properties. If you're a freeholder or joint freeholder responsible for a residential building, you may wish to explore the benefits of our freeholders buildings insurance.
Alongside standard block of flats insurance cover, optional protections can be added to help address specific legal, financial and property-related exposures.
These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.
Our UK-based, in-house claims team specialises in block of flats insurance claims. Should you need to make a claim, your allocated specialist claims advisor will support you step by step, from first notification to claims settlement. Working together with our insurer partners, we aim to make your claims experience as quick and easy as possible.
Gallagher is one of the leading insurance brokers with a dedicated team of property insurance specialists. We have strong relationships with insurers who have an appetite for underwriting block of flats insurance, allowing us to access the open market to secure suitable and cost-effective cover for you. For clients with wider property portfolios, we can also provide real estate insurance.
Beyond arranging your insurance protection, we can help you identify and manage property risks, supporting you in protecting your building, residents and long-term investment.
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation.
