OUR APPROACH
Specialist blocks of flats insurance, arranged properly
Haxon arranges buildings insurance, property owners liability and directors' cover for residential blocks across Sussex and the UK. Most of the blocks we insure have eight flats or more and are run by a Right to Manage company, a residents' management company, a freehold company or a managing agent.
What our clients share is a decision to insure the building properly. We are competitive on premium and will always work to improve your terms. What we will not do is place a stripped-back policy with low inner limits and high excesses purely to produce the lowest figure. When a block suffers a serious escape of water, a fire or a subsidence claim, the wording matters far more than the premium saved.
Who we are right for
- RTM and residents' management company directors who carry real responsibility for the building and want to know it is insured correctly.
- Freehold companies answerable to long leaseholders for the cover they arrange.
- Managing agents looking for a broker who handles the detail and supports them through claims.
- Blocks with history: previous claims, subsidence, flat roofs, cladding or Building Safety Act questions.
- Mixed-use blocks with shops, offices or restaurants on the ground floor.
If the only goal is the lowest possible premium regardless of cover, we are probably not the right broker, and we would rather say so at the start.
Why the wording matters more than the price
Two block policies can look almost identical on a quote summary and pay out very differently. The difference sits in the detail: the escape of water excess, the limit on trace and access, how long a flat can stand empty, whether a leaseholder's actions can affect everyone else's cover, and how much is paid for alternative accommodation while the building is repaired.
The lowest-rate block products in the market usually achieve their price by trimming exactly these areas. We place cover that is like-for-like with, or better than, what we regard as the market standard, so you know what you are buying.
Request a REVIEW
OUR PROCESS
How we review your block
Before we approach a single insurer, we get to know the building.
- We look at the building ourselves. Using satellite and street-level imagery, we check what we can see, such as construction, roof type, storeys and surroundings, against what is currently disclosed to your insurer.
- We check the details with you. Anything that does not match, or that we cannot see, we talk through with you so the building is presented accurately from the start. An inaccurate presentation is a common reason claims are reduced or declined.
- We review your current cover. We read your schedule and wording against what we regard as the market standard and tell you plainly where it looks weak.
- We approach the right insurers. Only those with wordings we are happy to put our name to.
What we look at in the wording
The detail that decides a claim usually sits in the extensions and conditions, not the headline cover. We pay particular attention to:
- Trace and access limits
- Escape of water and subsidence excesses
- Roof and maintenance conditions
- Conditions on empty flats
- Non-invalidation clauses
- General cover extensions
- Alternative accommodation and loss of rent limits
- Rebuild values and how underinsurance is treated
Where it makes sense, we also arrange directors' and officers' cover for RTM and management company directors, and engineering inspection for lifts and plant.
Type of blocks we insure
Purpose-built blocks
From around eight flats to large developments with lifts, carparks, communal heating and concierge.
Conversions
Such as period buildings and former commercial premises converted into several flats.
Mixed-use blocks
Combining flats with commercial units, insured to reflect each occupancy correctly.
Every ownership structure
RTM companies, residents' management companies, freehold companies, individual freeholders and portfolios of blocks.
SWITCHING BROKER
Looking for a better broker for your block?
Many of the blocks that come to us have had a poor experience elsewhere: a claim that dragged on for months, a renewal that arrived with no explanation, or a policy that turned out not to match the building when it mattered most. That is exactly what we set out to be different from.
We never simply copy the details from your current policy and assume they are right. We review your schedule and wording, check them against what we can see of the building, and raise anything that is missing or does not look right. The aim is to get everything correct from the outset and make the process as smooth as possible for you. We then approach insurers whose appetite and wording genuinely suit your block, and explain the terms clearly, including anything that differs from your current cover. We aim to be very competitive on premium, but placing the right cover always comes first.
A broker who stays with you
Placing the policy is the start of our work, not the end. We look after your block through the year, update the cover as things change, and review the market properly at every renewal. When you need to claim, we are with you from the first call to settlement. We do not place a policy on price and disappear when you need us.Not ready to share documents yet? Tell us the number of flats and the rebuild value andwe will give you an honest view of whether we are likely to help.
