BTLA BROKER / 08 / FOR BUSINESSES
Property insurance.
A clear division of responsibility.
Buildings, common areas, contents and management need to be considered together. We help housing communities, cooperatives, TBS housing associations and property managers organise their property insurance programme.
For building owners, property managers, housing communities and cooperatives.
01 / YOUR SITUATION
For organisations managing property.
We establish the programme's scope according to ownership structure, property use and allocation of responsibilities. Analysing one building differs from analysing an entire portfolio.
- You manage a housing community, cooperative or TBS housing portfolio.
- You manage several buildings with different uses.
- You are changing the property manager, renewing the programme or carrying out works.
02 / SCOPE OF OUR WORK
Property and roles considered separately.
The scope and availability of cover depend on the company's situation and the terms of individual offers. We also discuss limitations together.
What do we check in these areas?
Buildings and infrastructure
We organise the list of buildings, values and property components. We check how the quotation describes common areas, installations, contents and associated infrastructure.
Liability
We distinguish the roles of the owner, residential owners' association, housing cooperative and property manager. We establish which interests and liabilities need to be checked in the programme.
Changes and claims
We consider claims history, refurbishment and changes in use. We discuss documents needed to update cover and how notifications will be organised.
- An overview of properties and insurable interests.
- A discussion of values, limits and the property covered.
- Comparison of each entity’s liability.
- Agreeing data update and claims handling arrangements.
04 / HOW WE START
From a conversation to an informed decision.
What should you prepare first?
Prepare a list of buildings with basic details, current policies and claims history. Highlight planned renovations, unusual installations and different uses of the properties.
What do we check in these areas?
We review your properties
We establish values, use and the division of responsibilities.
We review your cover
We compare property cover and liability.
We agree the service arrangements
We discuss programme updates and claims documentation.
05 / BEFORE WE TALK
Worth knowing.
Does a housing community’s policy cover a resident’s private property?
You should not assume this. The scope of common and private property must be established from the contract definitions and terms. An individual unit may require separate cover.
Can one programme cover several buildings?
Options depend on the entities’ structure and the buildings’ characteristics. Start with a combined schedule, then establish how they can be covered.
Is property liability insurance enough for the property manager?
The organisation's liability and the activities performed require a separate analysis. We do not automatically equate cover for the building owner with cover for the property manager.
What should you do before major refurbishment?
Discuss the scope of works, contractors and impact on current cover in advance. The building programme and works-related insurance may cover different risks.
SPECIFICS / BEFORE A DECISION
Before you request a quote.
What affects the cost?
- Value, use and condition of buildings
- Locations, security measures and claims history
- Scope of property and liability cover
These are starting points for a conversation. A meaningful price comparison requires a defined scope and terms of cover.
What will help our first conversation?
- List of buildings and their uses
- Basis of valuation
- Current policies and claims information
Don't have everything? Start with a brief description. We will establish what can be added later.
Is one policy enough for several buildings?
We will assess the possible programme structure after reviewing the property portfolio. Differences in each building’s use, value and risks matter.
BTLA BROKER / CONTACT
Discuss property cover.
Briefly describe your activities and what you would like to discuss. We will use this to identify the information needed at the next step.
Call us 32 307 70 37Send an email [email protected]Prefer to start with a conversation? Call us.
Write to BTLA Broker
Subject: Property and housing
Property and housing: start with what you need. You can provide further details during our conversation.
Service hours: Mon–Fri, 8:00–17:00
What next? After you submit the enquiry, our team will contact you about it and establish what information is needed for a review.
A topic is enough to start. The BTLA team will agree with you what information and documents are needed.
Service hours: Mon–Fri, 8:00–17:00.
Conversations in Polish or English.
The data controller is BTLA BROKER LEADER sp. z o.o., al. Wojciecha Korfantego 138A lok. 114, 40-156 Katowice. We will use the data provided to handle your enquiry and contact you about it. Details of data processing and your rights are available in the privacy policy. Privacy policy (new tab).
KNOWLEDGE BEFORE A DECISION
Check before we talk.
TAKE A WIDER VIEW
Related areas of cover
A WIDER PERSPECTIVE