Towergate Underwriting

Commercial Property Insurance for Flats

Specialist flats insurance for brokers

Flats Insurance

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Our specialist flats insurance product is designed for owners and landlords of blocks of flats and let private dwelling houses.

Key Product Features

  • 35% day one uplift
  • £2m capital additions limit with £500,000 in respect of alteration, additions and improvements
  • £250,000 contract works cover
  • £50,000 damage to landscaped gardens
  • Trace and access - no inner limit
  • Empty buildings - notification only required after 30 days
  • £5,000 eviction of squatters
  • Failure of tenants insurances - 20% of total sum insured (£2m limit)
  • £5m POL cover as standard
  • £1m liability cover for legionellosis
  • Glass cover automatically included
  • £7,500 replacement locks and keys following theft
  • £5,000 tree felling or lopping
  • £500 removal of wasp and bee nests
  • Fly tipping

Additional Cover Options

  • Employers liability - £10m limit of indemnity
  • Terrorism insurance
  • Legal expenses - £500,000 limit of indemnity

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