Charity Insurance | Social Enterprises | Voluntary Organisations | Community Groups

Typical Risks

  • It is essential to protect the members of the tenants and residents association from your financial liabilities
  • Risk exposures for residents associations may include regulatory issues, financial failure or health and safety challenges.
  • As an insurance broker specialising in non-profit organisations, we can provide low cost residents association insurance for your group

Residents Association Insurance

Residents Association Insurance is essential for the thousands of voluntary groups representing tenants and residents across the UK.

Acting cooperatively to maintain property standards and playing a proactive role in optimising the conditions in your area is a valuable service.  Protecting the residents association and the officers of it with appropriate insurance is a sensible step, allowing your group to focus on the property issues you would like addressed.


Marie Hallowes

Operations Director

Tenants and Residents Associations need to consider appropriate insurance protection for the group and the individual officers.

Marie Hallowes, Operations Director

Customer Reviews

As a small charity, excellent service is very important to us when choosing the right insurance policy for our organisation. Ladbrook Insurance have always been very helpful when guiding us with regard to the best insurance policy.  We have used them as our broker now for three years and will continue to do so.  Their staff always give us the best of attention at all times.

Chloe Palmer, Director, Trent Rivers Trust

After several disappointing experiences with other brokers I found Ladbrook Insurance to be a breath of fresh air! Any queries I have had regarding my policy have been answered quickly and without any hassle.  The customer service is excellent. They have an extensive knowledge of their insurers and found me an excellent policy.  Thank you!

Samantha, Pass on Preloved Items

First class service from an agent who went above and beyond to source the perfect insurance for our charity, FASD Aware Northern Ireland.  Nothing was to much bother and someone was always on hand to answer any questions.  Thank you so much for all your help and for your kind and friendly service

Alison McNamara, FASD Aware NI

Tenants and Residents Association Insurance

Residents association insurances have some critical facets which your management committee should consider.

Firstly, in the activities of the group itself, it is worth considering public liability insurance for resident association activities.  If your group organises social events such as barbecues, there is a risk that a member of the public is injured and seeks financial compensation from the group.

Of course, this would be an unfortunate and rare event and insurance for tenants and residents associations are normally very modest, unless the sheer size of the group, or the activities of the association are unusual.

AS well as the liability aspect of the groups activities, as important are the personal exposures that come with running such a group.  If you are one of the many people who generously donate their time to a tenants and residents association, you may be conscious of the potential exposures these responsibilities have for you.  These responsibilities apply if you are descried either as a committee member, trustee, officer or director.

Trustee indemnity for residents associations is an insurance cover that can provide some financial protection for your group.   It could help protect the group and the individual members in the event of a wrongful act (or alleged act) or omission by any individual member of the management committee, to the committee as a whole.


Contact us today to discuss your resident association insurance needs and we can discuss the relevance of the covers available to your group.