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Taurus Risk Management - UK Insurance Brokers

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    Block of Flats Insurance

    Block of Flats Insurance

    Specialist insurance solutions for blocks of flats, freeholders and residential management companies. Comprehensive buildings, liability and loss of rent cover arranged by Taurus Risk Management.

    Period London block of flats with white stucco facades and ornate balconies
    Freeholders & RMCs

    At Taurus Risk Management, we understand that your block of flats is a valuable investment requiring comprehensive protection. Our block of flats insurance policies cover the entire building, communal areas, legal liabilities and loss of rent, helping you safeguard your property and meet your obligations with confidence.

    Whether you own a freehold block, manage a residential management company or act as a managing agent, we arrange policies that reflect the unique risk profile of each building, from purpose-built apartment blocks to converted period properties and high-rise residential developments.

    Why It Matters

    Why Block of Flats Insurance Matters

    Block of flats insurance provides essential financial protection against damage, theft, accidental damage and liability claims affecting your building and communal spaces. The right cover reduces the risk of costly repairs, legal fees and loss of rental income, while ensuring compliance with lease terms and legal requirements.

    Structural Protection

    Covers walls, roofs, foundations, windows, doors and fixed installations such as heating, lifts and secure entry systems.

    Communal Areas

    Protects stairwells, hallways, gardens, parking and external structures shared by all leaseholders and visitors.

    Liability Defence

    Property owners' and public liability cover defends against third party injury and property damage claims.

    Key Cover

    Block of Flats Insurance Cover

    Every block of flats is unique. Taurus Risk Management 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

    Buildings insurance for the entire block
    Communal areas, gardens and parking
    Lifts, heating and secure entry systems
    Property owners' liability insurance
    Public liability insurance
    Loss of rent and alternative accommodation
    Legal expenses insurance
    Accidental damage protection
    Terrorism insurance (optional)
    Engineering inspections (optional)
    Unoccupied property cover (optional)
    Featured Cover

    All Risks Cover

    Comprehensive protection against a wide range of insured perils — so your block, leaseholders and rental income stay safeguarded against the unexpected.

    Included as standard on most block policies
    Fire, smoke and explosion
    Flood and storm damage
    Escape of water and burst pipes
    Theft, vandalism and malicious damage
    Impact, subsidence and falling objects
    Accidental damage to the building
    How It Works

    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
    Get Your Quote

    Types of Blocks We Insure

    Freehold blocks of flats
    Residential management companies (RMCs)
    Right to manage companies (RTMs)
    Purpose-built apartment blocks
    Converted period properties
    High-rise residential blocks
    Mansion blocks and mansion flats
    Mixed tenure blocks
    Why Taurus

    Why Choose Taurus Risk Management?

    Our block of flats insurance specialists combine deep market access with practical claims support, helping freeholders and managing agents protect their buildings and residents.

    Access to specialist insurers for complex or high-risk blocks
    Clear, transparent policy documents with no hidden exclusions
    Dedicated claims support to handle flats insurance claims smoothly
    Experience covering both standard and complex high-rise blocks
    FCA regulated, independent advice focused on your property's needs
    Expertise in landlord, leasehold and freehold block requirements
    Reinstatement valuation guidance to avoid underinsurance penalties
    Long-standing insurer relationships across the UK market
    FAQs

    Frequently Asked Questions

    Common questions about block of flats insurance answered.

    Ready to Protect Your Block of Flats?

    Ensure your building, communal areas and legal liabilities are fully covered with block of flats insurance from Taurus Risk Management.

    Get a QuoteBook a Consultation
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    21 Reviews
    REVIEWS.io
    5 Rating
    21 Reviews
    Clare
    Verified Customer
    Chris helped me secure buildings insurance for a group of 6 residential buildings - a mix HMO and flats, he obtained several quotes for me to consider and the price was very competitive. The service was brilliant and I would definitely use Taurus risk management again.
    Alexandra
    Verified Customer
    I recently purchased house and travel insurance through Taurus Risk and had an excellent experience. From the initial communication to their prompt and efficient responses, the team demonstrated a high level of professionalism throughout. They addressed all of my questions quickly and provided clear, valuable advice. I would highly recommend Taurus Risk to anyone seeking a reliable and knowledgeable insurance broker.
    Warren
    Verified Customer
    It was an absolute pleasure working with Taurus. From the beginning it felt like the team had a genuine interest in my priorities and what was most important. Looking forward to our partnership together.
    Meg
    Verified Customer
    Team Taurus did a great job - providing fantastic client service. We are very happy with our insurance coverage.
    Henry
    Verified Customer
    I have worked with Taurus and Tom over the last two years and always found them to provide an excellent service. They provide competitive quotes whilst always ensuring the optimal cover for each client. I would not hesitate in recommending them to our clients.
    Alex
    Verified Customer
    Great customer service and response times, with a very knowledgeable team. I would highly recommend Taurus
    Jolyon
    Verified Customer
    Competitive, fast respone(s), with excellent service levels and most importantly a broad understanding of our various insurance needs as a compay - we started with one of our polcies and we are now moving everything to Taurus RM. - Investeq Limited
    Tim
    Verified Customer
    Excellent bunch. Responded very quickly when asked and very good quote for policy. Would definitely recommend.
    Max
    Verified Customer
    Fast and professional service. We have switched all of our insurance needs to Taurus Risk Management.
    Ivo
    Verified Customer
    Super easy and quick service :)
    Rivinia
    Verified Customer
    The team did an amazing job on our home insurance and reduced our premium. We were very happy with their service and highly recommend.
    Alice
    Verified Customer
    Taurus provided a quotation for our business insurance at renewal that we went with. They saved us money, improved our coverage and were great deal with throughout the process. We couldn’t be happier!
    Josh
    Verified Customer
    Taurus Risk Management were very professional and provided fantastic support throughout the journey. Enjoyed the experience and couldn't recommend their services enough!
    Chris
    Verified Customer
    Straightforward, no hassle, and honest advice. The team are highly professional and efficient, and I would definitely recommend them to anyone looking for insurance cover.
    Simon
    Verified Customer
    I have worked with Taurus since its original formation. Taurus provide a fantastic client service. As a property solicitor I trust Taurus to look after my clients, provide expert market insight and source the best insurance options in the market. Thomas Beckett is a fantastic broker with a diligent and efficient approach.