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GUIDES

Block of flats insurance for freeholders

A block of flats policy covers the whole building, including common parts like stairs and hallways, plus property owners’ liability. It is usually arranged by the freeholder or management company.

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Common parts

Lifts, stairs, gates and gardens are often where liability claims happen.

Leaseholders

Leaseholders usually insure their own contents; the building is covered centrally.

Directors’ cover

Directors of a residents’ management company may want directors’ and officers’ cover.

Commercial units

Shops on the ground floor change the risk. Include their trades.

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RELATED COVER
Block of Flats InsuranceBuildings cover for blocks of flats, for freeholders and management companies.Commercial Property InsuranceCover for commercial buildings you own or let, such as shops, offices and units.Directors & Officers InsuranceProtects company directors and managers personally against claims about decisions they make.

More guides: What insurance does a restaurant need? · Shop insurance guide for small retailers · Business interruption insurance explained

General guidance only. Cover depends on policy terms, conditions and exclusions.

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