Block of Flats Insurance

Organising insurance for leasehold flats and apartments usually referred to as “Block of Flats Insurance” or “Block Insurance” is a huge responsibility. Whether you are a Residential Management Company, Right to Manage Company (RTM), Residents Association or a private individual with the responsibility to organise your Block Insurance we can help.

We can arrange competitive cover for anything from 2 converted flats to a large purpose built block with 100+ flats. We work with most major leading UK insurers with market leading products. We understand that price is an important factor for most residential blocks, that’s why we search our broad panel of insurers to find the best deal. You’ll also be assigned your own personal representative to work with including any claims assistance.

If your property is of non-standard construction, is listed or has an adverse claims history then we can help you too.

Call us now on 01323 410 433 for a free market review.

We can offer comprehensive block insurance cover including...

  • Buildings including (but not limited to) accidental damage, water damage, fire, theft & vandalism
  • Buildings including garages, outbuildings and communal grounds
  • Inflation provision of up to 50% of the property rebuild value, with adjusted sums insured for inflation
  • Flexible unoccupancy clauses available
  • Loss of Rent / Alternative Accommodation Cover
  • Communal Contents including fitted Carpets
  • One excess per claim (not per flat)
  • Trace & Access cover for locating water leaks etc.
  • Property Owners Liability for third party liability (Limits up to £10m)
  • Employers’ Liability for direct workers (e.g. gardeners, property maintenance, window cleaners & care-takers).
  • Legal Expenses

Ask us about...

  • Residential Directors’ Liability (also known as Management Liability)
  • Engineering & Inspection Insurance for elevators, chair lifts, communal boilers and water pumps etc.
  • Tax Investigation Insurance

At John Whippy Insurance Brokers we understand the importance of providing a reliable and local service, with professional advice, so that our clients can build long-term trust with us when taking care of their insurance needs and requirements. We prefer to spend time listening to our clients, and then select or build appropriate insurance coverage at a premium that is acceptable to them. Ultimately, we want all of our clients to understand the cover they are purchasing, and have confidence that they are paying the right price for the right cover!

We do not disappear after point of sale, we are there to guide and advise our clients throughout the life of their policy – including with claims management.

There’s no shortage of choice when it comes to block insurance, but this can often confuse matters further. We offer both package and specialist  insurance cover based on your requirements. That means that every insurance policy we arrange for blocks of flats are different; therefore, we start with an initial call to discuss what your business does, what it’s potential exposures are, and what cover, we believe, is required to give you the right protection.

We’d love to help you with your Block Insurance, contact us or request a call back and get covered today!

Call us now on 01323 410 433 for a free market review.


Why John Whippy Insurance Brokers?

  • A Local & Personal service from a dedicated adviser who represents you, not the insurer
  • 100% Independent Insurance Broker offering impartial and independent advice
  • A reputable and established local Insurance Broker
  • A qualified and experienced team, with commitment to staff development
  • Professional insurance recommendations with sales on an ‘advised basis’
  • In-house claims management 

How we add value...

We work with you to identify, measure, manage, reduce and eliminate risks to your business. This in turn will help limit the chances of suffering a loss and will often result in premium discounts.

We often highlight risk exposures that you were not even aware of.

We act as your agent and working for you in the event of a claim. We are there to remove the common anxieties and burdens that are associated with making a claim. Limiting disruption to your business and daily life is important to us.

You’ll receive a personal service

Regardless of size, we believe every client should be treated with the respect and provided with the service they deserve. Buying insurance can be a daunting and time consuming task, that’s why we work closely with you to understand your needs and make the whole experience of reviewing your insurance a pleasant and seamless one. Every client matters to us!

We are independent and impartial

John Whippy Insurance Brokers are completely independent and are not tied to any one or limited panel of insurers. As one of our 5 pledges to you, we will transact business with your best interests in mind. In other words we will carry out an independent market analysis on your behalf and offer the best value for cover we can from our extensive range of insurers.

How we transact business

Upon completion of our full market review we will present the options to you so you can make an informed decision. Our sales are on an advised basis which means we will make recommendations to you based on your requirements, be it price, cover, insurer background or coverage flexibility etc. We don’t over or under sell, we just offer you what you need.

No Call Centres! Deal with the same individual and build trust!

No numbered options, pre-recorded messages, repeating conversations or scripted questions. Our staff are professional and will seek to establish your requirements through open, honest and genuine conversations. We believe it’s important to listen to what is important to you! We can communicate with you by telephone, e-mail or we are happy to arrange face to face discussions and visit you.

Don’t pay over the odds!

Challenge us to beat your renewal premium and work closely with one of our experienced, knowledgeable and qualified team members. Contact us or request a call back to get professional advice and obtain valuable insurance cover at competitive premiums!


As a Sussex Insurance Broker we predominantly serve, but are not limited to, the following areas:

Eastbourne, Polegate, Lewes, Brighton, Hove, Peacehaven, Seaford, Shoreham, Worthing, Hailsham, Uckfield, Heathfield, Herstmonceux, Pevensey, Bexhill, Battle, and Hastings.

Get In Touch!

The contact form requires that you configure reCAPTCHA in the site configuration.

The contact form requires that you select an email template.

Independent, Personal, Expert Advice - shaped around Your Business!

Contact us for a Free Market Review...