Type of Occupants
Insurers commonly ask:
- Who lives at the property?
- Are referrals made by local authorities?
- Are residents vulnerable adults or young persons?
- Is the accommodation temporary or long-term?
Different resident profiles create different underwriting considerations.
Staffing Arrangements
Underwriters often want to understand:
- Are staff based on-site?
- Are visits carried out daily?
- Is there overnight supervision?
- Are staff employed directly or subcontracted?
Property Protections
Good risk management can help improve insurer confidence.
Important protections include:
- Fire alarms
- Emergency lighting
- Secure locks
- CCTV
- Fire risk assessments
- Electrical inspections
Claims & Incident History
Previous claims involving:
- Fire
- Water damage
- Liability claims
- Resident damage
- Anti-social behaviour
may affect insurer appetite and pricing.
Experience of Management
Experienced operators with strong procedures are generally viewed more favourably.
This includes:
- Established policies
- Staff training
- Incident reporting
- Safeguarding procedures
Presenting the Risk Properly
Many supported accommodation risks are declined simply because insufficient information was provided.
At SRS Insurance, we help supported living providers present risks professionally to insurers familiar with the sector.
Speak to a Specialist Broker
At SRS Insurance, we assist supported accommodation providers throughout the UK with specialist insurance advice and tailored cover solutions.
