Residents Association Insurance
Our insurance brokers are experts at advising and arranging insurance cover for Residents Associations.
We regularly help the following types of residents association:
- Tenants of a building who hold meetings with their landlord
- A ‘local members’ area residents association who provide news and representation on matters in the local area
- A group of people who live in the same property (either owned or leased) who work together to manage, maintain or improve the property
Resident Association Groups
For resident or tenant associations that actively manage a building or private estate, the risks go beyond simple meetings. We can extend your policy to include:
- Property Owners’ Liability: Essential if your group owns or is responsible for the upkeep of the building structure or common areas.
- Legal Expenses: Provides support and covers costs for disputes regarding service charges, contracts, or property rights.
- Plant and Machinery: Cover for shared equipment used for estate maintenance, such as lawnmowers or communal lighting systems.
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What Our Clients Say
Very proactive following a previously unsuccessful quote, contacted on renewal with a very competitive quote and made switching easy.
Excellent value achieved through a good analysis of our risks and a good knowledge of suitable insurers.
Excellent service and very pleasant people to do business with. I would certainly recommend Access Insurance and have done so to various groups.
Friendly, helpful, knowledgeable on requirements, responsive by phone and email. Competitive quote and local to our location.
They were helpful and polite and service was good.
How can we help?
Our residents association insurance packages have been specifically designed to meet the bespoke requirements of Tenants and Residents Associations.
Speak to one of our community group experts on 0333 344 7420 to get advice on the insurance you need. Each group we help has different needs. We’ll ensure you get the right cover quickly and easily.
- Get free advice & a no obligation quote over the phone
- No proposal forms to fill in
- Varying limits of public liability cover available, from £1 to £10 million
- Optional covers available so your group has the insurance you need
- Affordable policies (from £60/year)
Liability Insurance
- Public Liability
- Employers Liability
- Property Owners Liability
- Directors and Officers
- Trustee Indemnity
- Legal Expenses
- Event Insurance
Property Insurance
- Landlords and Property Owners cover for Buildings
- Landlords Contents
- Subsidence
- Terrorism
- Accidental Damage
- Loss of Cash and Money
- Portable Equipment and Tools
- Private roads, driveways, walls, lamposts and other outdoor fixtures
- Theft (including metalwork – some policies contain inner limits)
Interruption Insurance
- Loss of Rent and Income
Engineering Cover
- Lifts, Escalators, Boilers and Air Conditioning
Your questions answered.
It covers your group against legal costs and compensation claims if a member of the public is injured or their property is damaged during your meetings or local events.
Yes, we can include directors and officers’ liability cover to protect the association and its committee members if there is a claim of a management error or breach of duty.
Even occasional meetings carry risks such as trips or spills in a hired hall, so a basic policy ensures your group has a basic level of cover.
We provide specialist cover for associations responsible for maintaining private roads, communal gardens, or shared pathways to protect against accidents on that land.
If your association uses volunteers for maintenance or events, you may need this cover to protect against claims if they are injured while working for the group.
Yes. Residents’ associations sometimes use equipment such as lawnmowers, strimmers, hedge trimmers, pressure washers or small maintenance tools to maintain communal gardens or shared spaces. These activities can create liability risks if someone is injured or property is damaged while the equipment is being used. Insurers will usually want to understand what equipment is used, who operates it and whether basic safety procedures and supervision are in place. Please discuss your specific maintenance activities in detail.
Some insurers are cautious about providing liability cover where a resident or tenant association is responsible for the maintenance of a private road. This is because the road may be used by residents, visitors, delivery vehicles or contractors, increasing the risk of accidents or claims relating to surface defects. However, specialist insurers can often provide cover where the responsibilities of the association are clearly defined and there are reasonable maintenance arrangements in place.
Where an association is responsible for a private road, insurers may want to understand how the surface is maintained and inspected, particularly in relation to potholes, loose surfaces, lighting and drainage. Regular inspection and prompt repairs can help reduce the likelihood of accidents and liability claims.