Comprehensive Insurance Cover

For many of our customers, we are involved in placing a range of insurance policies through independent Insurance Brokers. 
move to hacking and paterson

The types of policies placed on behalf of customers include:

  • Comprehensive Buildings Insurance
  • Property Owners’ Liability Insurance
  • Employers’ Liability Insurance
  • Engineering Insurance

Comprehensive Buildings Insurance

While contents insurance covers the things you own, buildings insurance covers the actual building.

This can include permanent fixtures such as:

  • Roof
  • Walls
  • Ceilings
  • Floors
  • Doors and windows
  • Fitted kitchens
  • Built-in cupboards and bathroom suites
  • Garages are usually covered, but it’s best to check with us beforehand
  • Fences, gates, boundary walls and mains-supply pipes

Buildings insurance policies should generally cover the full cost of repair/rebuild in the case of:

  • Fire
  • Lightning strike
  • Storm damage
  • Falling trees
  • Explosion (caused by gas leaks and so on)
  • Earthquake
  • Vandalism
  • Vehicle collisions with the building
  • Bursting or freezing of the plumbing

Property Owners’ Liability Insurance

Property owners’ liability insurance enables homeowners to meet any costs awarded against them to a third party if they suffer an injury following an accident on, or linked to, their property.

This type of cover is normally included within a block of flats buildings insurance policy, however, in housing developments with shared common open spaces a separate policy is generally required.

The areas protected can include:

  • Stairwells
  • Paths and roads
  • Open Spaces
  • Play Areas
  • Woodlands

Employers Liability Insurance

We regularly employ staff on behalf of our customers for a range of roles such as:

  • Wardens
  • Concierges
  • Caretakers
  • General handymen
  • Cleaners

When employees are working for a group of homeowners, the group is responsible for their health and safety. So if an employee is hurt at work, or develops a work-related illness, they might blame the group of homeowners and try to claim damages.

The legal requirement for employers to purchase employers’ liability insurance was introduced under The Employers’ Liability (Compulsory Insurance) Act 1969. The Act requires virtually all employers to have a minimum level of insurance to cover any claims for compensation from employees.

Employers’ liability insurance will enable our customers to meet the cost of compensation for their employees’ injuries or illness whether they are caused on or off site.

Engineering Insurance

The Lifting Operations and Lifting Equipment Regulations 1998 (LOLER) also applies to passenger lifts fitted in places with public access, such as a common stairwell.  This places a requirement on installations being thoroughly examined and inspected for safety.

Where our customers’ properties include passenger lifts, engineering insurance cover is placed.

Our Factoring News

EASTER HOLIDAY HOURS OF BUSINESS 2025

EASTER HOLIDAY HOURS OF BUSINESS 2025

EASTER HOLIDAY HOURS OF BUSINESS 2025 During the Easter period, our office opening hours will be reduced as follows: Friday 18th April – Closed from 12:45pm Monday 21st April – Closed Normal opening hours of 9:00am – 5:00pm resume on Tuesday 22nd April 2025. During...

HPMS Supports Local Foodbanks

HPMS Supports Local Foodbanks

A Huge Thank You to Our Glasgow and Edinburgh Teams! At HPMS, we believe in the power of community and the importance of giving back. Both our Glasgow and Edinburgh teams stepped up to support their local foodbanks, and we couldn’t be prouder of their efforts! Glasgow...

HPMS Inspires Young Minds at ‘Together with Ambition’ Conference

HPMS Inspires Young Minds at ‘Together with Ambition’ Conference

Last week, members of the HPMS team took part in the 'Together with Ambition' conference at Mearns Primary School, where P7 pupils from different schools explored various career opportunities and engaged with professionals from different industries. HPMS was proud to...

Hacking & Paterson Management Services
Privacy Overview

This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.