Tenant Management Organisation (TMO) Insurance

Specialist Sectors

A Tenant Managed Organisation (TMO) often referred to as tenant management co-operatives, and often take different forms and sizes. Whether your TMO manages thousands of properties or just a handful of homes within One Broker we have the knowledge to be able to help you arrange your insurance cover.

A TMO is an organisation made up of council or housing association tenants and leaseholders. It enables residents to collectively take on responsibility for managing the homes they live in. The services managed by TMOs vary with local circumstances but may include daily activities such as repairs, allocations and lettings, tenancy management, rent collection, cleaning and caretaking.

Arranging appropriate insurance for a TMO is vital to avoid costly pay-outs. Because TMO members create an independent legal body and sign a legal management agreement with their landlord, they can be held responsible in the event of an allegation of poor maintenance standards. This could involve issues with, for example, the appointment of sub-contractors, an accident that injures a member of the public or the theft of a computer containing confidential information.

The insurance protects against such risks, giving TMOs the peace of mind that if an incident did occur, they would be financially protected.

The policies we arrange can include the following cover:

  • Public and Product Liability Insurance
  • Employer’s Liability Insurance – cover to include volunteers
  • Office Insurance – property damage, increased cost of workings, money and assault insurance
  • Professional Indemnity Insurance
  • Directors and Officers Insurance / Trustee Indemnity Insurance
  • Occupational Personal Accident Insurance
  • Fidelity Insurance
  • Legal Representation and Employment Disputes Insurance
  • Cyber and Data Risks Insurance
  • Risk Management: Health & Safety / Risk Assessment guidelines

Speak directly to our team on 01223 949006

Send an Enquiry
key contacts
  • Phil Smith
    Phil Smith
    New Business Executive
  • Ed George
    Ed George
    Account Executive
Key cover
  • We are able to provide cover for your whole insurance portfolio including, but not limited to:

    • ≻ Public and Products Liability
    • ≻ Employers Liability
    • ≻ Office Insurance
    • ≻ Professional Indemnity Insurance
    • ≻ Directors and Officers Insurance
    • ≻ Occupational Personal Accident Insurance
    • ≻ Fidelity Insurance
    • ≻ Legal Representation and Employment Disputes Insurance
    • ≻ Cyber Risks Insurance
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It was such a pleasure doing business with you. You and your team provided a great service making the transition easy by giving us sound advice and guidance and thus providing the right cover for our needs. You also saved us a lot of money I’m pleased to say. I wouldn't hesitate to recommend your services to other associations.

- Irene O’Sullivan TMO Officer, Wyke Estate Tenants & Residents Association Co-Operative Ltd -
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I would like to express our sincere thanks for the work you and your team have done in securing Roman Way Estate TMO outstanding insurance cover, but also, making the process straightforward and simple to understand which was all carried out in a professional and customer focussed manner.

- Steve Fellows TMO Manager, Roman Way Estate TMO -
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Phil understands our organisation and the importance of providing us with the right cover for our needs, I wouldn’t hesitate in recommending his services to other associations.

- Francis Owusu-Sekyere, Estate Manager at Abbey Road Housing Co-operative -
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We trust Phil and his team to look after our best interests and have been really impressed with the customer service and advice we’ve received

- Peter Morgan, Estate Manager from Clarence Way Management Organisation C I C Ltd -