Bridge Insurance launches FlatGuard Estates – protecting the shared spaces of modern housing developments

From unadopted roads, car parks, pathways, green spaces and drainage systems to gates, signage and street furniture, FlatGuard Estates ensures estates are protected against both physical damage and liability claims arising from accidents, negligence or defective infrastructure.

The policy is designed with the realities of modern estate management in mind, offering flexible liability protection for developments with shared infrastructure, unadopted areas and communal assets. With consent, cover can be extended to include managing agents or freeholders where appropriate. Optional referral cover is also available for non-standard features such as playgrounds, water features, sports facilities and community events.

Jack Seton, Head of FlatGuard, explains:
“FlatGuard Estates has been designed to address one of the biggest blind spots in estate management – liability. Too often, shared spaces sit outside traditional cover, leaving RMCs, developers or managing agents exposed if someone is injured or property is damaged. Our new product provides clear, affordable protection that keeps estates compliant, reduces risk, and ultimately delivers peace of mind to everyone involved.”

FlatGuard Estates is available for freehold and leasehold housing estates, with annual premiums starting from £305. Each policy is tailored to the estate’s layout, infrastructure and management structure, ensuring both physical assets and legal exposures are properly insured.

FlatGuard is trusted by hundreds of managing agents and policyholders across the UK and is backed by Bridge Insurance Brokers Ltd – a Chartered firm with over 50 years’ experience, £90 million in Gross Written Premium, and more than £50 billion in insured value. FlatGuard was named Insurance Broker of the Year at both the News on the Block Property Management Awards and The Property Institute ACE Awards in successive years, 2024 and 2025, recognising its sector-leading service and innovation. FlatGuard is also a proud signatory to the MHCLG’s Fire Safety Pledge, demonstrating a commitment to ethical broking practices for buildings with identified fire safety issues.