Introducing FlatGuard Estates, a specialist insurance solution created specifically for residential and mixed-use housing estates. The new product delivers comprehensive protection for communal infrastructure alongside full public liability and property owners’ liability cover.
Developed by the multi award-winning team behind FlatGuard – the leading insurance brand for blocks of flats – FlatGuard Estates addresses a long-standing gap in the market by providing insurance for shared external areas that are frequently excluded from standard buildings policies.
Cover extends across a wide range of communal estate assets, including unadopted roads, car parks, pathways, green spaces and drainage systems, as well as gates, signage and street furniture. FlatGuard Estates protects against both physical damage and liability claims arising from accidents, negligence or defective infrastructure.
Designed with the practical challenges of modern estate management in mind, the policy offers flexible liability protection for developments with shared infrastructure, unadopted areas and communal assets. With consent, cover can be extended to include managing agents or freeholders where appropriate. Optional referral cover is also available for non-standard features such as playgrounds, water features, sports facilities and community events.
Jack Seton, Head of FlatGuard, explains:
“FlatGuard Estates has been designed to address one of the biggest blind spots in estate management – liability. Too often, shared spaces sit outside traditional cover, leaving RMCs, developers or managing agents exposed if someone is injured or property is damaged. Our new product provides clear, affordable protection that keeps estates compliant, reduces risk, and ultimately delivers peace of mind to everyone involved.”
FlatGuard Estates is available for both freehold and leasehold housing estates, with annual premiums starting from £305. Each policy is tailored to the estate’s specific layout, infrastructure and management structure, ensuring that both physical assets and legal exposures are appropriately insured.
Trusted by hundreds of managing agents and policyholders across the UK, FlatGuard is backed by Bridge Insurance Brokers Ltd, a Chartered firm with more than 50 years’ experience, £90 million in Gross Written Premium and over £50 billion in insured value. FlatGuard has been named Insurance Broker of the Year at both the News on the Block Property Management Awards and The Property Institute ACE Awards in successive years, 2024 and 2025, recognising its sector-leading service and innovation. FlatGuard is also a proud signatory to the MHCLG’s Fire Safety Pledge, underlining its commitment to ethical broking practices for buildings with identified fire safety issues.
