My Account
We compare quotes from leading insurers
Combined Insurance That Simplifies Property Management
Why Property Managers Choose Combined Package Policies
Managing multiple buildings means juggling different risks, responsibilities and compliance obligations. Combined package insurance bundles multiple essential covers into one policy - reducing cost, simplifying admin, and ensuring full protection.
Core Cover Included in Combined Policies
Policies can be tailored to your management portfolio, including blocks, estates, commercial units, HMOs, holiday lets and mixed-use portfolios.
- Buildings Insurance – fire, flood, storm, escape of water, accidental damage
- Property Owners Liability – typically £5m or £10m
- Employers’ Liability – required for on-site staff and contractors
- Contents & Communal Area Cover
- Loss of Rent / Alternative Accommodation
- Terrorism Cover (optional)
Additional Options for Property Management Firms
Management & Professional Risks
- Professional Indemnity (PI) for management errors
- Directors & Officers (D&O)
- Fidelity / Employee Dishonesty
- Legal Expenses Insurance
Building-Specific Optional Covers
- Engineering Inspection & Breakdown
- Lift & Boiler Breakdown
- Unoccupied Property Cover
- Subsidence & Structural Failure
Why Property Managers Choose Insure24
- Specialists in UK property management risks
- Access to major UK insurers and MGAs
- Competitive prices for multi-property portfolios
- Fast turnaround for quote & placement
- Dedicated account handlers
FREQUENTLY ASKED QUESTIONS
+-
+-
What is a combined insurance policy for property managers?
A combined or package insurance policy bundles key covers such as buildings, liability, business interruption, and optional add-ons into one simplified policy for property managers.
+-
Who needs combined package insurance?
Block managers, estate managers, letting agents, RTM companies, freeholders, and property management businesses handling multiple units or buildings.
+-
Does the policy cover major building risks?
Yes - including fire, flood, storm, water damage, subsidence (optional), theft, accidental damage, and more.
+-
Can I cover multiple properties under one policy?
Yes - portfolio policies are available and often reduce premiums across multiple sites.
+-
Is Employers’ Liability required?
If you employ caretakers, site staff, or maintenance teams, Employers’ Liability is legally required.
+-
What is a combined insurance policy for property managers?
+-
Who needs combined package insurance?
+-
Does the policy cover major building risks?
+-
Can I cover multiple properties under one policy?
+-
Is Employers’ Liability required?
Related Property Management Guides
These are the strongest next pages when a combined property-management package needs to be compared with the wider insurance structure rather than treated as a standalone silo.
Package buyers often still need to review property management insurance costs, compare liability vs PI vs package cover and property management insurance checklist before deciding whether the combined route is better than separate public liability insurance, professional indemnity insurance or cyber insurance sections. Insure24 is an FCA authorised and regulated broker (FRN: 1008511) with access to insurer-panel options including Aviva, Allianz and Zurich where appropriate.
Core Business Insurance Pages
Core Product Links
More Property Management Insurance Topics
Combined-package policies work best when they tie property damage, liability and management exposures together without leaving gaps between separate covers. These guides help users compare package structure with the core risks it needs to absorb.