Residents’ Association Insurance

Residents association insurance is designed to protect residents’ associations, right-to-manage companies, and management committees responsible for shared property, land, and communal areas. Liability can arise from ownership, management decisions, or failure to maintain shared spaces.

This cover is often arranged alongside residents association public liability insurance and management liability policies to ensure both the association and its committee members are protected.

Residents association public liability insurance covers claims for injury or property damage suffered by third parties in communal or shared areas under the association’s control.

This may include:

• Shared roads and access ways
• Paths, pavements, and parking areas
• Green spaces and communal land
• Boundary walls and fencing

Where management responsibility exists, liability follows.

Management Company Insurance for Residents

Management company insurance (residents) applies where a formal company or RTM structure is used to manage shared property or land. This cover ensures the entity responsible for maintenance and decision-making is protected against liability claims.

Property management public liability insurance is essential where managing agents, contractors, or the public interact with shared spaces.

Management Committee Liability Insurance

Committee members can be held personally liable for decisions made on behalf of the association. Management committee liability insurance protects against claims alleging:

• Breach of duty
• Negligence in management decisions
• Failure to maintain communal areas
• Mismanagement of funds or contracts

This cover protects individuals, not just the association.

Directors and Officers Insurance for Residents’ Associations

Where a residents’ association is structured as a company, directors and officers residents association insurance is often required. This provides personal protection for directors and officers against claims arising from their role.

D&O cover commonly responds to:

• Alleged wrongful acts
• Regulatory investigations
• Disputes between residents
• Employment-related claims

This cover sits alongside, not instead of, public liability insurance.

Relationship to Landowners and Private Road Insurance

Residents’ associations frequently have responsibility for land and infrastructure, including private roads. In these cases, residents’ association insurance is commonly arranged in conjunction with:

• Landowners liability insurance
• Private road insurance

This ensures consistent cover where multiple exposures overlap.

What Is Typically Covered?

A residents’ association insurance package may include:

• Public liability insurance
• Management committee liability insurance
• Directors and officers insurance
• Legal expenses cover

The exact structure depends on the association’s legal form and responsibilities.

Why Specialist Cover Is Required

Standard property or block policies often fail to cover:

• Committee decision-making
• Personal liability of directors
• Shared access roads
• Communal land without buildings

Dedicated residents’ association insurance avoids gaps and protects both the entity and the individuals running it.