Our insurance covers all types of housing associations including registered providers, community land trusts, co-operative housing associations, charitable housing associations, and local housing companies.

Yes, our policies can cover properties you own directly as well as those you manage on behalf of other organizations, with appropriate coverage adjustments for each arrangement.

Our policies include coverage for malicious damage and accidental damage by tenants, subject to policy terms and conditions. We also offer tenant liability insurance options.

Yes, if your properties become uninhabitable due to an insured event, we cover reasonable temporary accommodation costs for displaced tenants during repair periods.

Our policies include loss of rent coverage when properties cannot be occupied due to insured damage, helping maintain your cash flow during repair periods.

All communal areas, shared facilities, playgrounds, community centers, and common equipment are covered under our comprehensive property insurance.

We insure housing associations across the UK with various property types. Some high-risk locations or property types may require additional underwriting assessment.

This covers claims arising from errors in housing management, advice given to tenants, regulatory compliance failures, and breaches of professional duty in your operations.

Our cyber insurance covers data breaches involving tenant information, system restoration costs, business interruption from cyber attacks, and regulatory fines under GDPR.

Yes, we offer additional coverage for new development projects, refurbishment works, and construction activities through contract works insurance.

We provide dedicated claims support with specialists who understand housing association operations. Claims are handled promptly with minimal disruption to tenants and operations.

We typically need property schedules, tenant numbers, previous claims history, health and safety policies, and details of your management structure and operations.

Yes, we offer competitive pricing for larger portfolios and can provide volume discounts based on the number of properties and overall risk profile.

Absolutely. We provide specialized coverage for supported housing, sheltered accommodation, and care-supported housing with appropriate liability and professional indemnity coverage.

We offer commercial vehicle insurance for housing association fleets including maintenance vans, minibuses for tenant transport, and management vehicles.

Our policies include coverage for emergency repair costs and can provide immediate authorization for urgent repairs to ensure tenant safety and property protection.

Standard exclusions include wear and tear, gradual deterioration, and intentional damage. We'll provide full policy terms outlining all exclusions during the quotation process.

Yes, we offer environmental liability coverage for pollution incidents, contamination cleanup, and environmental damage claims that may arise from your operations.

We review your coverage annually, assess any changes in your portfolio or operations, and provide updated terms. We aim to provide renewal quotes well in advance of expiry.

Yes, our team provides ongoing risk management support including property inspections, health and safety guidance, and best practice recommendations to help prevent claims.

Yes, new acquisitions can be added to your policy with immediate effect. We provide flexible arrangements for housing associations with expanding portfolios.

While our policy covers the building structure, we can arrange tenant contents insurance schemes to protect tenants' personal belongings at competitive group rates.

Once we have all necessary information, we can typically provide quotes within 48 hours and arrange immediate coverage if required for urgent situations.

We offer flexible payment terms including annual, quarterly, or monthly payment options to help manage your cash flow and budgeting requirements.

Housing association insurance costs vary based on property portfolio size, location, and risk factors. Small associations may pay £2,000-£5,000 annually, while larger organizations with extensive portfolios can expect £10,000-£50,000+. Contact us for a tailored quote based on your specific requirements.

Affordable housing schemes can typically be covered under your main housing association policy, but may require specific endorsements for shared ownership properties, Help to Buy schemes, or rent-to-buy arrangements. We ensure all your affordable housing initiatives are properly protected.

Registered social landlords require comprehensive coverage including property insurance, public liability (minimum £10 million), employers liability, professional indemnity, and management liability insurance. Additional cyber insurance and environmental liability coverage are increasingly important for regulatory compliance.

Housing association insurance provides broader coverage for social housing responsibilities, regulatory compliance, tenant welfare obligations, and community facilities. It includes specialized professional indemnity for housing management and higher liability limits than typical private landlord policies.

Yes, housing associations must have employers liability insurance by law, and the Regulator of Social Housing requires adequate insurance coverage. Most mortgage lenders and funding bodies also mandate comprehensive property and liability insurance as loan conditions.

Community land trusts need similar coverage to housing associations including property insurance, public liability, trustees' indemnity insurance, and professional indemnity. Additional coverage may be needed for community facilities, events, and volunteer activities.

Our policies can include coverage for fire safety upgrade costs, emergency fire safety measures, and compliance with fire safety orders. This includes sprinkler system installation, fire door replacement, and cladding remediation work following regulatory requirements.

Our management liability and professional indemnity coverage includes protection against discrimination claims related to housing allocation, tenant treatment, or employment practices. This covers legal defense costs and potential settlements or awards.

Board members can face personal liability for decisions made in their capacity as directors. Our management liability insurance protects board members, trustees, and senior management from personal financial exposure in legal claims against the organization.

Sheltered housing requires enhanced coverage including care liability insurance, professional indemnity for care advice, specialized equipment coverage, and increased public liability limits. Emergency response system failures and medication administration errors are also covered.

Our policies include coverage for asbestos-related claims, removal costs, and tenant relocation expenses. We also cover legal liability for asbestos exposure claims and the costs of emergency asbestos management following accidental disturbance.

Housing associations need comprehensive cyber coverage for tenant personal data, housing records, and financial information. This includes GDPR breach notifications, data recovery costs, credit monitoring for affected tenants, and regulatory fines up to £20 million.

Insurance premiums are generally tax-deductible business expenses for housing associations. However, insurance payouts may have tax implications depending on what they cover. We recommend consulting with your accountant for specific tax advice on insurance matters.

Right to buy transactions require professional indemnity coverage for valuation advice, legal processes, and administrative errors. Our policies cover claims arising from incorrect valuations, procedural mistakes, and disputes over right to buy eligibility or discount calculations.

Our comprehensive property coverage includes flood damage, storm damage, and extreme weather events. This covers building repairs, temporary accommodation for displaced tenants, loss of rental income, and emergency weatherproofing measures.

Housing co-operatives need similar core coverage but may require additional member liability protection, democratic decision-making coverage, and specialized professional indemnity for member-led management. Co-operative specific risks include member disputes and governance issues.

Our policies include coverage for trauma cleaning, property restoration, and potential liability claims following serious incidents. This includes counseling support for other tenants, temporary relocation costs, and specialized cleaning services.

Community facilities require additional public liability coverage, equipment insurance, and event liability protection. This covers sports facilities, meeting rooms, children's activities, and community events hosted on housing association premises.

While standard policies don't cover rent arrears, we can arrange rent guarantee insurance and legal expenses coverage for possession proceedings. This helps protect rental income and covers legal costs for tenancy enforcement actions.

Energy efficiency projects require contract works insurance, professional indemnity for energy assessments, and coverage for defective workmanship. This includes solar panel installation, insulation upgrades, and heating system replacements under government schemes.

Housing associations can face liability for failing to address anti-social behavior or neighbor disputes. Our professional indemnity coverage includes protection against claims for inadequate tenancy management and failure to resolve tenant conflicts appropriately.

Supported living requires enhanced professional indemnity, care liability insurance, and specialized equipment coverage. This includes protection for care plan errors, medication administration, and support worker liability in providing assistance to vulnerable tenants.

Our policies include coverage for Building Safety Act compliance costs, safety case preparation, and resident engagement requirements. This covers building safety manager liability, safety defect remediation, and regulatory investigation costs.

We provide claims advocacy support and can arrange independent loss adjusters if needed. Our policies include legal expenses coverage for insurance disputes, and we work closely with clients to ensure claims are properly presented and documented.