Management companies and freeholders are generally under a legal duty to insure the structure and communal areas of residential developments against damage. As premiums are ultimately recovered from residents through service charges, both the quality and cost-effectiveness of the cover matter to everyone in the building.

We arrange comprehensive block insurance policies for residential developments of all sizes. Standard features include:

Building structure cover against fire, storm, escape of water, impact, and malicious damage · Alternative accommodation and loss of rent following insured damage that makes units uninhabitable · Public liability for common areas · Employers' liability · Accidental damage to underground services including pipes and cables · Optional cover for communal fixtures, fittings, and contents · Glass and mirrors cover

Policies are fully tailorable to the individual estate. We can also advise on appropriate sums insured and reinstatement values to avoid the underinsurance risks that can significantly reduce a claim settlement.

Directors and officers of companies managing residential blocks face a specific and often underestimated personal liability. Claims of negligence, mismanagement, regulatory breach, or employment disputes can be brought against the management company and its individual directors, with potentially serious financial consequences.

Residential Management Liability Insurance provides essential protection for property management companies and their leadership, covering legal defence costs, regulatory investigations, and claims from leaseholders or employees arising from the management of the development.

We work with specialist markets to arrange tailored policies that protect both the management company and its directors and officers — a cover that is increasingly important for any organisation managing third-party residential assets.

For businesses that own or lease commercial premises, property insurance protects buildings, contents, stock, and equipment against fire, theft, water damage, storm, and other perils. We arrange commercial property cover across a wide range of property types and occupancies, including:

Offices and professional premises · Retail units and shops · Warehouses and storage facilities · Industrial and manufacturing premises · Mixed-use and multi-tenanted developments · Investment properties and landlord portfolios · Unoccupied or vacant properties · Properties under renovation or development

Cover can be arranged on a buildings-only or combined buildings and contents basis. We advise on the appropriate basis of settlement — indemnity (depreciated value) versus reinstatement (full rebuild cost) — as this choice significantly affects what you recover following a total or major loss.

Property damage is disruptive enough on its own. But for most businesses, the greater financial impact comes not from the physical repair cost, but from the loss of income during the period the premises are out of use. A fire, flood, or other insured event can close a business for weeks or months — and without business interruption cover, that lost revenue falls entirely on the owner.

Business interruption insurance covers your gross profit or revenue for the period it takes to restore operations to their pre-loss state following an insured property damage event. It can also cover additional costs incurred to keep the business running during recovery — for example, the cost of hiring temporary premises.

For property owners and landlords, loss of rent cover provides the equivalent protection, covering rental income lost when a property becomes uninhabitable or unusable as a result of an insured event.

Getting the indemnity period right — how long the cover runs after an event — is one of the most important and most commonly underestimated aspects of the placement. We advise on this as part of the process.

"Casualty" is the insurance term for liability cover: protection against claims brought by third parties for injury, illness, or property damage caused by your business operations, your products, or your premises.

Public liability If a member of the public is injured or has property damaged as a result of your business activities or your premises, public liability insurance covers the resulting compensation and legal costs. It is one of the most fundamental covers any business with a physical presence or customer-facing operations should carry.

Products liability If goods you manufacture, supply, or sell cause injury or damage to a third party, products liability covers the claims that arise. It is frequently combined with public liability in a single policy.

Employers' liability Provides cover against claims from employees who suffer injury or illness as a direct result of their work. Strongly recommended for any business with staff, and in many circumstances required under contract or applicable regulation.

Property owners' liability For landlords and property investors, this covers third-party claims — from tenants, visitors, or members of the public — arising from the condition or management of the property.