Cambridge Office: 01223 792550
Bury St Edmunds Office: 01284 413340

Tenant Management Organisation (TMO) Insurance

A Tenant Managed Organisation (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

TMOs can take different forms and sizes, from tenant management co-operatives to not-for-profit companies. Whether your TMO manages thousands of properties or just a handful of homes, call Phil today on 01954 233661 to arrange your insurance cover.

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Cambridge Office

Commercial Insurance Team

01223 792550

What our customers say

"We wouldn’t hesitate in recommending Gibbs Denley, they have always been efficient and shown a true understanding of our needs"

Chris Laytham – Co-operative Manager at Patmore Co-Operative Ltd