Block of Flats Insurance

Block of Flats Insurance

Do you know how to avoid over-paying for insurance?

Do you know what the Freeholder, Leaseholder and Tenant are each responsible for and should protect with insurance?

Do you know how to calculate an accurate rebuild cost?

Do you know that Directors of a right-to-manage company can be found personally liable for breaching statutory duties?

Do you know how best to comply with the Health & Safety Executive’s LOLER regulations?

Do you know about the different types of Terrorism Insurance?

Do you know about the different types of Management Liability insurance and what is suitable for you?

Do you know what simple risk management steps you can take to avoid having to make a claim?

Do you know which security measures are useful and which are not?

Do you know the difference between a Bona-fide Subcontractor and a Labour-only Subcontractor and how this affects your insurance requirements?

Do you know how much information to disclose about the risk you are seeking to insure?

Do you know what property owners liability covers you for?

Do you know how to insure appropriately for Loss of Rent and/or Alternative Accommodation?

Do you know what insurance taken out directly by individual flat owners and tenants should protect?

If your answer to any of these questions is “No” then please call us for a chat
about Block Of Flat Insurance.

What is Block of Flats Insurance?

The primary reason for obtaining Block of Flats insurance is to safeguard the investment of all the individual property owners connected with the building. Unlike standard home insurance policies that cover single-dwelling houses, Block of Flats insurance considers the unique risks associated with communal living spaces. As multiple parties share the building and its facilities, a collective approach to insurance is necessary to ensure adequate protection.

Block of Flats insurance, sometimes known as residential property owners insurance, consists of a suite of policies tailored to the needs of the property owners and residents. The policies protect against a range of standard physical risks and can be tailored to include cover against terrorism. The policies also protect against the impact of a variety of liability risks, some of which can be mitigated with Directors & Officers Insurance.

One of the main components of Block of Flats insurance is coverage for the building’s structure itself. It protects against perils such as fire, subsidence, storm damage, burst pipes, vandalism, and other unexpected events that could cause significant harm to the property. By having the building insured collectively, each individual flat owner is spared from bearing the full financial burden of repairing or rebuilding the entire structure in the event of a catastrophic incident.

No two blocks of flats, their circumstances and the risks they face are the same. That’s why it’s important to deal with a broker who is an expert in this type of insurance and has relevant knowledge and experience with which to advise clients.

Our Benefits

Why our clients choose Samson Insurance

Our expertise and business relationships make us your best partner for your insurance requirements.



You can rely on us to arrange your insurances, leaving you to focus on what matters to you.



We use our Loss Assessing experience to advise you on the most suitable policy, and to help you understand and navigate the insurance claims process.



Our tailor-made advice safeguards you against the worst that could happen.

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Munich RE

Our Reviews

What our clients say about us
Review Quotes
Samson has been insuring our flats in Hampstead for 7 years. They have advised us on how to insure at a sufficient level without over-insuring. When we had claims they helped us obtain excellent settlements. Happy to recommend.
Luca Crenna, Hampstead
Review Quotes
For several years we have been introducing our clients to Sam and his team in particular for property insurance. Their experience as claim advocates through their loss assessing practice really helps when they arrange our clients’ insurances and we know that our clients will be well advised.
Gillian White, White & Co Solicitors

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