Residents Association Insurance
Protecting flats & communities, one policy at a time.
Support, security and peace of mind.
Two or more flats to insure? We’ll make it easy
Your residents association plays a crucial role in maintaining and enhancing life in your block of flats. From organising meetings and events to managing communal areas, you work hard to build a thriving and harmonious community. But with responsibility comes risks—and that’s where tailored insurance for residents associations can help.
With decades of experience, we have been underwriting and producing specialist insurance policies for blocks of flats and Residents Associations since 1993. Partnering with leading insurers such as Allianz, AXA, Zurich , RSA & QBE, we’ve built a reputation as a top insurance brokerage in the UK.
What Does Residents Association Insurance Cover?
Buildings Cover
Provides comprehensive coverage for the buildings, fixtures, and fittings of your association.
Public Liability
Protects your association if a member of the public is injured or their property is damaged as a result of your activities.
Directors & Officers
Protects directors and officers from personal liability arising from decisions made while managing a company.
Lifts, Plant & Machinery
Offers inspection and cover in a single policy, ensuring compliance with legal standards for lifts and machinery.
Employer's Liability
Covers legal and compensation costs if an employee or volunteer is injured or falls ill while working for your association.
Terrorism Cover
Cover for damage caused to your property as a result of an act of terrorism.
Why Is Residents Association Insurance Needed?
Managing a residents association or a block of flats comes with significant responsibilities and potential risks. From public liability claims and volunteer injuries to damage to communal areas, unexpected incidents can disrupt operations and create financial strain. Having the right insurance in place ensures your association is protected, allowing you to focus on maintaining a safe and well-managed community.
Comprehensive insurance coverage is essential for safeguarding both the property and those responsible for its management. While standard policies typically include building protection, liability cover, and some contents insurance, additional options are available to provide more tailored and extensive protection. Ensuring adequate coverage helps mitigate risks and provides complete peace of mind for residents association managers.
How Much Will It Cost?
For over 30 years, we’ve been offering highly competitive premiums for blocks of flats & residents associations, making us a trusted choice for an increasing number of clients every year. Our policies now come with additional discounts for features like effective block management, secure common areas, automatic fire protection systems, alarm systems, and valid electrical certificates—savings that many insurers don’t typically offer.
With a dedicated team of experienced professionals, we understand the unique challenges of a residents association. You can rely on us to create bespoke policies tailored specifically to meet the needs of your block, ensuring comprehensive and responsive coverage.
Our property experts are here to
make insuring flats easy.
We have a team of experts ready to help you.
Your association deserves the best. Let us provide the coverage it needs.
Our flats insurance policies cater to both standard and non-standard constructions, including listed buildings. Whether you own small converted houses, large detached properties, warehouse and loft conversions, or purpose-built blocks of any size, we’ve got you covered. Our coverage extends to properties in city centres, historic market towns, inland waterways, and seaside destinations, to name just a few.
Arranging residents association insurance for flats can be complex, as it differs significantly from regular home insurance. A block policy provides essential protection for property owners, offering funds to cover repair costs if the property is damaged and even the cost of rebuilding in the event of a ‘total loss.’
It’s not just the building that requires protection. Consider any landscaping, gardens, garages, or outbuildings. Ensure these are covered under your block of flats insurance policy, and if not, you may be able to add them for comprehensive coverage.
Tailored Solutions
Flexible options designed to meet the unique requirements of your block of flats.
Trusted Expertise
Backed by years of experience in supporting residential and community associations.
Peace of Mind
Safeguard your property, liabilities, and people with reliable, robust insurance solutions—all at competitive premiums.
Our in-house claims department
Here at A-One, we benefit from an in-house claims department. This means that should you need to make a claim on your policy, you will be appointed a dedicated claims handler to manage your claim from start to finish. Our handlers will bridge the gap between you and your insurer. Working to achieve the best possible outcome on your behalf.
This means you'll have one point of contact to manage your claim from start to finish.
Proud to work with Rebuild Cost Assessment Limited
A company Regulated by RICS
Ensuring your property is adequately insured starts with an accurate assessment of its rebuild cost. Partnering with RebuildCostAssessment, a trusted expert in property valuations, allows us to offer precise and professional surveys tailored to your building’s specific needs. Underinsurance can leave property owners vulnerable to significant financial risks, while overinsurance can lead to unnecessary expenses. By working with RebuildCostAssessment, we help you secure the right level of coverage, ensuring peace of mind and financial protection for your property.
Residents Association Insurance FAQ’s
Are discounts available for safety measures in place?
Yes, many insurers offer discounts for properties with safety measures such as fire alarms, CCTV, secure entry systems, and up-to-date electrical certificates. Ensuring good block management can also reduce premiums.