Mon – Fri 9am – 5pm
- 0208 087 1927
- info@pearlpp.co.uk
Comprehensive cover arranged through specialist brokers, with full claims management and annual policy review as standard.
Adequate buildings insurance is a legal requirement for most blocks of flats and a critical safeguard for leaseholders, freeholders, and the management company alike. Getting the right cover, without gaps that could leave your building exposed or unnecessary premiums that inflate your service charge, requires specialist knowledge of the block insurance market.
Pearl Property Partners manages the full insurance lifecycle for your building. From initial arrangement and annual renewal through to claims handling and policy review, your dedicated Partner oversees every aspect of your building's insurance to ensure it remains appropriate, competitive, and compliant with your lease obligations. In addition to buildings insurance, we also arrange and manage other policies commonly required by residential blocks, including public liability insurance, directors' and officers' liability insurance, and engineering inspection and insurance for lifts and plant equipment.
We work with specialist insurance brokers who understand the complexities of insuring residential buildings with multiple leaseholders. Through our B-hive Property Solutions partnership, your block also benefits from access to institutional-grade insurance facilities and specialist risk advice.
Through close collaboration with specialist insurance brokers, we have helped many buildings achieve savings of thousands of pounds in insurance premiums without compromising the level of cover provided. Our sole objective is securing the right policy for your block at the most competitive premium available.
From arranging your initial policy through to managing claims and reviewing cover at each renewal, every aspect handled by your Partner.
We work with specialist insurance brokers to arrange buildings cover that provides comprehensive protection at a competitive premium. At each renewal, we review the policy terms, assess whether the current cover remains appropriate, and obtain alternative quotations where necessary to ensure your block is getting value for money.
When an incident occurs, we manage the entire claims process on behalf of your block, from initial notification to the insurer through to final settlement. Your Partner coordinates with the loss adjuster, arranges access for inspections, keeps affected residents informed, and ensures repairs are completed to a satisfactory standard. The aim is to resolve claims as efficiently as possible with minimal disruption to residents.
Insurance needs change over time. Major works may alter the reinstatement value, new risks may emerge, or the market may offer better terms. We conduct a full policy review at each renewal to identify any gaps in cover, unnecessary provisions, or opportunities to reduce the premium without compromising protection.
Block insurance covers the entire building structure, communal areas, and third-party liability, not just an individual flat. Premiums reflect the full rebuild cost, the building's location, its claims history, and specific risk factors such as flood zone classification or construction type. We work with specialist brokers to ensure your block is getting the most competitive rate for the cover required.
In addition to buildings insurance, most residential blocks require public liability insurance to cover injury or damage claims from third parties, directors' and officers' liability insurance to protect RMC and RTM directors against personal liability, and engineering inspection and insurance for lifts and plant equipment. We arrange and manage all of these on your behalf through specialist brokers.
Yes. While we have preferred brokers who specialise in block insurance, we are happy to work with any broker the board wishes to appoint. Our role is to ensure the policy provides appropriate cover for your building, regardless of who arranges it.
A reinstatement cost assessment is a professional valuation that determines the cost of completely rebuilding your building from scratch, including demolition, site clearance, and compliance with current building regulations. This figure is used as the basis for your buildings insurance cover. We recommend these are carried out every three to five years to ensure the sum insured remains adequate.
We manage the full claims process from start to finish. This includes notifying the insurer, coordinating with the loss adjuster, arranging access for inspections, keeping affected residents and directors informed throughout, and ensuring that repairs are completed to an appropriate standard. Our aim is to resolve claims efficiently and with minimal disruption to residents.
