Block Insurance

Photo of a block of flats in the UK

SME Insurance

Block Insurance

Specialised block of flats insurance is ideal for landlords and property management companies who need insurance for apartment blocks with multiple floors.

It is important for property business owners to adequately insure their flats to be protected against many risks such as fire, flooding and accidental damage.

Erskine Murray work with a range of insurers to provide a great range of insurance products for landlords and property managers, including cover specifically for landlords. Ask our team for more information about the services we provide.

Insurance for Flats

Depending on the policies purchased, there are a number of things which can be insured through insurance for blocks of flats and related insurance products:

  • Building and landlords’ contents insurance: this can protect against fire, flood, accidental damage and more. The contents of any communal areas such as hallways can be included to cover reception desks, furnishings and fittings.
  • Alternative accommodation cover: this protects in the event of damage by an insured risk such as fire, which prevents tenants from living in the property. Sometimes, landlords are responsible for providing alternative accommodation for times when their building is not liveable.
  • Cover for blocks larger than ten stories: the majority of insurers will cover up to ten flats per block. If you are in need of a policy which provides cover for larger blocks, or if there are any unusual details about your block of flats, let our team know and we can try to find a solution for you.
  • When owning a block of flats, the chance of getting sued are higher risk as if there is a problem with the building, all of the tenants can sue you. That’s why Architects Insurance is important, as it protects you if there is something wrong with the building that is offensive to tenants or could injure them

Block of Flats Insurance

It is important that landlords who own entire blocks of flats or apartments have the right insurance in place to protect their livelihood in the event of accidental damage, disasters or malicious damage. Erskine Murray can help you to find the ideal cover for your block of flats, using our extensive network of insurance providers. Speak to our helpful team today for more information about our services for landlords.

SME Insurance by Sector

Shops and Offices

From office blocks and home offices to hairdressers, florists and newsagents, we cover the entire scope of this sector.  

Commercial Property Owners

For property owners, investors or developers, single property to portfolio's, we have the solution.

Residential Property Owners

For property owners, landlords and associations, we deliver a policy that covers all related risks.


Our package covers every single trade. Simple, effective and delivered by the same or following working day.

High Net Worth

High net worth insurance is ideal for people with high profile occupations such as sports people, actors, singers and other people in the public eye.

Contractors All Risk

Whilst all construction sites are different, there are still common risks and threats shared by them all.

Commercial Combined

With so many areas of risk to consider, we guide you through the process of selecting the cover that you require to protect your business.

Tradesman Insurance

With thousands of different trades in the UK, Erskine Murray can help tailor individual insurance products specific to your needs.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.