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Block of flats insurance
Whether you are the freeholder of a building comprising of flats, a leaseholder of a flat within a building, or part of a management company or residents association responsible for the management of a block of flats, you may be responsible for arranging a specialist block of flats insurance policy, often referred to as block insurance. In short, this provides buildings insurance for the entire building, providing cover against a wide range of perils including fire, storm, escape of water, subsidence and accidental damage.
What does buildings insurance cover in a block of flats?
Block of flats insurance, or block insurance, provides buildings insurance for the entire building, including communal gardens, driveways and any outbuildings. In addition to providing cover against all the perils you would expect of a typical property insurance policy such as fire, storm, escape of water and subsidence, the following additional benefits are included:
- Accidental damage cover
- Trace and access insurance to cover the costs involved in finding the source of a leak (pulling up the flooring or ceiling, for example)
- An automatic uplift to the building sum insured to protect against unforeseen inflationary costs of reinstatement in the event of a claim which would not have been accounted for at inception of the policy
- Loss of rent and alternative accommodation costs if the building cannot be occupied following an insured event
- Multiple occupancy arrangements, if there is a mixture of owner-occupied, let or unoccupied flats all within one building
- Contents cover for communal areas
- Theft or malicious damage by guests or tenants
- Employers Liability up to £10,000,000 for accidents to domestic employees or tradesmen whose services have been employed in the maintenance of the property
- Property Owners Liability to cover your legal liability to the public in the event of injury
Have you thought about….
- Legal Expenses insurance
- Directors & Officers Liability if you are a director of a management company
- Engineering and Inspection insurance if there is a lift
- Tenants Improvements if you are a leaseholder and need to insure an addition or improvement to your flat such as a new kitchen or bathroom
Why choose us?
At Alastair James Insurance Brokers, we have an extensive panel of insurers providing specialist cover for a variety of building types including:
- Converted buildings
- Listed buildings
- Purpose-built buildings
- Maisonettes
- Non-standard construction
- Commercial premises
How to obtain a quotation from Alastair James Insurance Brokers
Requesting a quotation could not be easier. Either upload your current Policy Schedule or Renewal Notice. Alternatively you can request a call back at a specific time convenient to you, or telephone the office directly.
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PRIVATE CLIENT INSURANCE BROKERS
As private client insurance brokers, we have access to a variety of insurers and underwriting agencies who specialise in the insurance of high value homes, contents, valuables, performance cars and classic cars.
COMMERCIAL CLIENTS
Through our role as commercial insurance brokers we can provide comprehensive cover for individual company directors and sole traders through to small and medium sized enterprises and national organisations.
ABOUT ALASTAIR
Alastair established Alastair James Insurance Brokers Limited after nearly twenty years’ experience in the insurance industry, in both the Commercial and Private Clients sector.
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