Getting the right TMO insurance can be a minefield: Do you have the right cover? Do you meet the requirements of your right-to-manage agreement? Are you getting value for money? We have created an insurance package that gives you peace of mind, protecting your team and your organisation at a competitive price*.

  • Independent insurance broker
  • Competitive premiums
  • Annual reviews
  • Experienced Claims team
  • Access to a 24-hour legal advice line

Who is TMO Insurance for?

TMO Insurance covers any independent legal body responsible for managing the homes they live in. Regardless of how many homes you manage, you need suitable insurance cover, as required by your right-to-manage agreement.

Our TMO Insurance is suitable for Tenant Management Organisations (TMOs), Housing Co-operatives, Residents’ Management Organisations (RMOs), Tenant Management Co-Operatives (TMCs), Joint-Management Boards (JMBs), Estate Management Boards (EMBs) and Community Interest Companies (CICs).

What is TMO Insurance?

Having worked closely with TMOs for several years, we understand the wide range of functions you perform and the unique risks you face.

We know that, as part of a ‘right-to-manage’ contract, you are required to have certain levels of insurance, including Employers' Liability up to £10,000,000, Public Liability up to £10,000,000, Business Interruption (extended to cover relocation costs) and Employee Dishonesty. Our policies include all of these, plus Management Liability Insurance. See more.

Of course, if something goes wrong, our experienced Claims team will help you manage the process. We will work with your insurer to protect your claims history wherever possible, so you only claim if you need to.

Why Should I Choose One Broker For TMO Insurance?

Not only are we an independent insurance broker, able to source the right cover from a range of insurers, but you can also trust that we’ve taken the time to understand your industry.

We have identified areas of risk that aren’t traditionally covered. For instance, your managers and board members may be held personally liable for claims made against them, which isn’t covered by Public or Employers' Liability Insurance.

We can include Management Liability Insurance cover to address this insurance gap. MLP is made up of Directors & Officers (also known as Trustees) Liability, Company Legal Cover and Employment Practice liability insurance.

Our understanding of your organisation and claims history helps us to address the strife, stress and financial implications of individuals who’ve volunteered to help out on the committee (whether paid or unpaid) if one of the residents, employees or regulatory bodies decides to prosecute. 

We can also provide guidance on risk management, to help you reduce your claims. 

We do all of this for a competitive premium, which your dedicated account manager will review each year, so you always get the best price.

How Much Does TMO Insurance Cost?

The cost of premiums varies depending on the number of homes covered, your organisation’s activities and the roles of individuals.

As an independent broker, you can trust that we will search the market to find the most competitive price for your needs. 

Is TMO Insurance suitable for housing cooperatives?

Yes, we can tailor cover for housing co-operatives. We work closely with the Confederation of Co-operative Housing, so we know that your needs may differ and can tailor insurance accordingly.

What Our Clients Say


*More than 90% of clients saved at least 10% on their overall premium between October 2017 and March 2020.