Block of Flats
Insurance, done properly.
Cut costs, maintain or improve coverage - buildings, liability and loss of rent cover for freeholders, RMCs and managing agents.
Cover built for the way blocks of flats actually work
One insured event can cost tens of thousands in repairs, lost rent and legal fees. The right block policy protects the building, communal spaces and directors - and keeps you compliant with lease and lender requirements.
Structural Protection
Walls, roofs, foundations, windows, lifts and heating - full reinstatement cover for the whole building.
Communal Areas
Stairwells, hallways, gardens, parking and external structures shared by leaseholders and visitors.
Liability Defence
Property owners' and public liability defence against third party injury and property damage claims.
Cut Costs, Keep Cover
Cut costs, maintain or improve coverage - independent broker access to leading UK insurers means competitive premiums without sacrificing protection.
Cut costs, maintain or improve cover
Compare quotes from leading UK insurers. We'll return a block of flats quote within 24–48 hours.
Block of Flats Insurance Cover
Every block of flats is unique. Taurus Risk arranges flexible insurance solutions designed to protect your building value, communal facilities and legal responsibilities.
Buildings Insurance
Cover for the block's structure including walls, roofs, foundations, communal areas, lifts and secure entry systems.
Public & Property Owners' Liability
Protection against third party injury or property damage claims arising from communal areas such as stairwells, gardens or car parks.
Loss of Rent
Maintains rental income, ground rent and service charge income if flats become uninhabitable following an insured event.
Legal Expenses
Cover for legal fees relating to property disputes, leaseholder conflicts and tribunal proceedings.
Full Coverage Options
All Risks Cover
Comprehensive protection against a wide range of insured perils - so your block, leaseholders and rental income stay safeguarded against the unexpected.
How Your Policy Works
When you request a block of flats insurance quote, we carry out a detailed risk assessment to ensure your policy provides adequate coverage at competitive premiums. Our underwriters review:
- Building type, age and construction
- Reinstatement value of the block
- Number of flats and communal facilities
- Claims history and risk factors such as cladding or previous water leaks
- Fire safety and security measures
- Lease terms and management arrangements
Types of Blocks We Insure
Why Choose Taurus Risk?
Our block of flats insurance specialists combine deep market access with practical claims support, helping freeholders and managing agents protect their buildings and residents.
Frequently Asked Questions
Common questions about block of flats insurance answered.
Cut Costs, Maintain or Improve Cover
Get block of flats insurance that protects your building, communal areas and legal liabilities - without paying more than you need.
Managing multiple buildings or a wider residential portfolio? Explore our portfolio landlord insurance for cover across two or more properties on a single schedule.