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What is Residents’ Management Company Insurance?

Running a Residents’ Management Company (RMC) or Right to Manage (RTM) company comes with more responsibility than many expect. Our Residents’ Management Company Insurance is specifically designed to protect volunteer directors and leaseholders who are responsible for managing shared buildings and communal spaces.

This type of policy provides tailored protection for companies formed by leaseholders or freeholders to manage the maintenance and running of a residential block or estate. It helps cover the legal, financial, and liability risks that come with overseeing a property—especially  when directors are not professional landlords or property managers.
Row of terrace houses
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Who is it for?

  • Leaseholder-formed Residents’ Management Companies
  • Right to Manage (RTM) Companies
  • Freehold-owning companies with shared building responsibilities
  • Directors of residential apartment blocks, estates, or converted houses

What does it cover?

Your policy can be built around the specific risks your building faces. Common cover options include:

Directors’ & Officers’ Liability

Covers personal liability of directors for decisions made on behalf of the company

Buildings Insurance

Protection for the structure against fire, flood, subsidence, vandalism, and more

Property Owners’ Liability

Covers injury or property damage to third parties occurring in communal areas

Employers’ Liability

A legal requirement if you hire staff such as gardeners, cleaners, or maintenance workers

Contents of Communal Areas

Optional cover for furnishings, carpets, or equipment in shared spaces

Loss of Rent / Alternative Accommodation

Ensures financial protection for lease holders if a property becomes uninhabitable

Engineering Inspection

For lifts, gates, or other mechanical equipment under regulatory inspection requirements

Legal Expenses

Assistance with disputes involving leaseholders, contractors, or third parties

Terrorism Cover

Available where required by mortgage lenders or lease terms

Why choose Crowthorne for RMC Insurance?

  • We specialise in supporting non-professional directors and leaseholder-run companies
  • Over 25 years of experience in block and estate management insurance
  • Friendly, straightforward advice from experts who understand your legal duties
  • Flexible policies that grow with your building or estate
  • Fast, responsive claims support and documentation handling
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Real Customers, Real Results

“Our standard insurer wouldn’t touch us once we started the extension—Crowthorne sorted everything out in a day.”
We felt reassured from start to finish and could focus on the build knowing we were protected.

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In Just Three Steps

Fast, Tailored, and Complete Insurance

Step 1

Quick Contact

Your time matters. Speak directly with an expert in under 30 seconds—no holding, no hassle.

Step 1
Step 2

Tailored Insurance Review

Every risk and budget is unique. We’ll assess your needs and design a policy that fits—at a competitive price.

Step 2
Step 3

Finalise Your Cover

Explore your options and select the policy that best matches your requirements and budget.

Step 3
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Independent Insurance Broker

UK-Based

UK Based Support

Tailored-Quotes

Tailored Quotes

FCA regulated and Trusted

FCA Regulated & Trusted

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Let’s Talk Insurance On Your Terms

We know insurance can feel complicated  and the last thing you want is to be stuck on hold or passed around a call centre. At Crowthorne Insurance Services, we do things differently.

  Guaranteed callback within 30 mins

  Honest advice from our experts

  Insurance that is tailored to you

Simply fill in the form today and a member of our team will be in touch.
Testimonials

What Our Clients Say

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“Crowthorne Insurance were very useful for when I needed 28 day chassis insurance on my unregistered classic Japanese import car in order to drive it to and from an MOT for its registration. Quick replies and no fuss. The price was high considering it was only for 28 days but I guess not unusual for that kind of specialist insurance. Would use again in the future!”
Beth L
“Contact with the Cowthorne team is a pleasurable experience - they are always helpful, efficient and will search the market for the best policy.”
Peter Foister
“Went there for my Car insurance. Got a great deal better than on line and other shops. Boss was a very nice chap and the man that served me Neil ,was very helpful.and sorted me out a great deal. Yes i can recommend this company. Hope i can say the same next year when i get the renew price. If they play there cards right they may get my house and other car and holiday insurance. Thanks Crowthorne insurance.”
Ray Thorpe
“I used Crowthorne Insurance recently as a new driver, and they really helped me out. They are always friendly and polite, never kept me waiting long over the phone or e-mail, and were always happy to answer any questions I had.I had a particularly good experience talking to Jack, who went above and beyond to get me a policy which wasn't prohibitively expensive at a time when the insurance market is particularly harsh to new drivers. It would not be an exaggeration to say that thanks to his efforts, I've saved thousands of pounds.I highly recommend this company and look forward to working with them again when it's time to renew. Thanks guys!”
James Lill
“I've been using Crowthorne insurance Ltd for quite a few years now. Never had any issues or problems. The staff are very friendly and professional. I highly recommend giving them a try.”
Richard Reynolds
“Very helpful and straightforward company to deal with . Thank you .”
Moira Scott
“I have been using Crowthorne insurance for years. I would highly recommend them. the staff are friendly and very helpful. on the occasions I have had issues or need changes they have been most helpful and speedy to resolve the problems. They now handle my whole family's insurance needs all 4 generations.Great job guy thank you”
Ian Howlett
“I have continued to use Crowthorne Insurance Services for many years now. The staff are always very accommodating to my ever changing vehicles and personnel.I would thoroughly recommend Paul and his team .”
Mark Bullen
“Outstanding service provided from Crowthorne Insurance from start to finish, highly professional service will definitely be using them for years to come!!”
Samuel Coombes
“Our building had specific needs and compliance requirements, but the team guided us through the options clearly. We now have one comprehensive policy in place and full peace of mind."
As volunteer directors, we didn’t know where to start—but Crowthorne made it simple.
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Member of the British Insurance Brokers’ Association (BIBA)

We are proud to be a member of the British Insurance Brokers’ Association (BIBA), the UK’s leading trade association for insurance brokers. BIBA membership signifies our commitment to industry best practices, professional standards, and staying informed on the latest developments in the insurance sector.