Social Housing Insurance
We provide comprehensive risk solutions for social housing sector organisations.
Social housing insurance is designed to protect organisations that provide affordable housing and vital community services, making it a cornerstone of resilience for the sector. Tailored risk solutions safeguard property, people, and operations, ensuring housing providers can focus on supporting tenants and delivering essential services with peace of mind.
To deliver this assurance, our social housing insurance solutions have been developed using decades of expertise supporting such organisations to improve the quality of options available for risk treatment.
Through our extensive expertise, we have built an expansive network of deep relationships throughout the insurance and risk supply chain. This is leveraged for the full benefit of our clients to increase capacity appetite from the insurance market and further improve an organisation’s management of risk.
Who we work with
Our social housing insurance programmes support a wide range of organisations within the sector, including:
- Registered social landlords and housing associations
- Charitable housing providers
- Care and support service organisations
- Community interest companies
- NGOs and public sector bodies involved in housing
Fit-for-Purpose Coverages
Our experts will advise on programme structure, limits of indemnity and deductibles on all the coverages listed below:
- Material damage
- Business interruption
- Money
- All risks
- Construction all risks and project risks
- Public liability
- Employers’ liability
- Libel and slander
- Medical malpractice
- Motor fleet/uninsured loss recovery
- Engineering insurance
- Personal accident
- Directors’ and officers’/management liability
- Computer
- Legal expenses
- Engineering inspection
- Crime
- Terrorism
- Cyber
Added Value Services
Outside of the standard insurance covers listed above, we can also offer the following services:
- National catastrophe modelling for flood and other perils
- Claims analysis to support ongoing risk appetite and deductible funding analysis
- Risk management support on insurable and uninsurable losses
- Expert and market-leading construction risk and insurance solutions
- Expertise with alternative risk transfer solutions including
- Parametrics and captives
- Facultative reinsurance solutions
Why Miller for social housing insurance
We combine proactive engagement with the insurance market to generate new capacity, giving registered providers greater assurance on value for money. Our expertise with captives, parametrics and alternative methods of risk transfer allows organisations to fully explore a variety of programme structures, while our ability to add value extends to clients involved in construction, infrastructure, care and support services.
Alongside this technical expertise, we provide comprehensive support with loss prevention, claims and risk management strategies. Every client benefits from a dedicated service team of experienced sector specialists, regular structured liaison, ongoing monitoring of insurer security, in-house claims advocacy, and embedded risk management advice, ensuring that our solutions deliver both strategic strength and day-to-day confidence.
Talk to us
Gary Newlyn
Director - Head of Social Housing & Public Sector +44 (0) 20 70 312 356 [email protected] Read more
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