Business Details
31 Years
experience
Emergency
services
Specialist Property Insurance for Apartment Blocks in England and Wales
Established in 1995, Ferndale Insurance Services has built a reputation as a specialist insurance broker dedicated to providing tailored property insurance solutions for apartment buildings across England and Wales. Our expertise spans freeholder insurance, tenant management insurance, and complex coverage for challenging properties, including listed buildings and flood-risk areas. As a registered insurance broker with the Financial Conduct Authority and a member of the British Insurance Brokers Association, we uphold rigorous standards through continuous professional development and adherence to nationally recognised codes of practice.Our team of qualified professionals, including Chartered Insurance Institute-certified brokers, delivers a personal service, handling administration and claims efficiently to reduce client workloads. With over 20 years of experience and a portfolio covering 20,000+ residential units, we prioritise client satisfaction through competitive quotations and bespoke insurance products designed to meet evolving legislative requirements. Our commitment to transparency, ethical practices, and client-centric service has earned us a strong referral-based reputation within the property management sector.
Services
Freeholder Insurance
Tenant Management Insurance
Directors and Officers Liability
Engineering and Inspection Insurance
Property Insurance for Developers
Details
- Year established: 1995
Highlights and features
- We have over 20 years of experience in property insurance for apartment buildings.
- We specialise in competitive quotations for difficult-to-insure properties like listed buildings.
- Our team includes Chartered Insurance Institute-qualified professionals.
- We are regulated by the Financial Conduct Authority and adhere to strict codes of practice.
- We offer a personal service with efficient claims handling and administrative support.
Associations and certifications
- Financial Conduct Authority
- British Insurance Brokers Association
Services
Freeholder Insurance
We provide comprehensive insurance for freeholder properties, addressing statutory requirements and offering tailored solutions for commercial investors. Our policies cover buildings, outbuildings, and liability risks while ensuring compliance with evolving legislation. This service protects property investments and simplifies insurance management for landlords and developers.
Tenant Management Insurance
Specialist insurance for tenant-managed apartment blocks, including bespoke coverage for communal areas and shared facilities. We negotiate competitive premiums with leading insurers, ensuring adequate protection against risks like storm damage, accidental loss, and legal liabilities while supporting efficient claims processing for property managers.
Directors and Officers Liability
This insurance safeguards RTM company directors against claims arising from management decisions. Designed for Right to Manage Companies, it covers legal costs and compensation related to alleged negligence or breaches of duty, providing essential risk mitigation for property management boards.
Engineering and Inspection Insurance
We offer specialist policies covering engineering systems and inspection requirements for residential properties. This includes lift maintenance, boiler inspections, and structural assessments, ensuring compliance with safety regulations while protecting against equipment failure and associated liabilities.
Difficult-to-Insure Properties
Our expertise extends to challenging properties like listed buildings, conservation areas, and flood-risk zones. We secure competitive quotations for these high-risk cases, combining technical knowledge with insurer partnerships to deliver viable insurance solutions where standard providers may decline coverage.
People
Debbie Goddard
Managing Director
With over 23 years at Ferndale, Debbie Goddard leads operations as Managing Director. A Chartered Insurance Institute-qualified broker, she specialises in resolving complex insurance challenges for property clients.
Tiina Savage
Insurance Broker
Tiina Savage, an 18-year Ferndale veteran, provides expert insurance solutions. Her Chartered Insurance Institute qualifications support clients in navigating technical insurance requirements and claims processes.
Roseanne Hall
Senior Insurance Assistant
Roseanne Hall, with a decade of experience, assists clients with complex insurance queries. Her Certificate in Insurance from the Chartered Insurance Institute enhances her claims and policy expertise.
Judith Archer
Senior Insurance Assistant
Judith Archer brings seven years of Ferndale experience to complex insurance and claims management. Her Chartered Insurance Institute certification supports thorough client service delivery.
Lonja Kennewell
Insurance Assistant
Lonja Kennewell serves as primary contact for general enquiries, combining over a year of Ferndale experience with responsive support for client insurance needs and claims processes.
Questions
What types of property insurance do you specialise in?
We specialise in apartment block insurance for freeholders, tenant management companies, and developers, including challenging cases like listed buildings and flood-risk areas.
Do you cover properties in conservation areas?
Yes, we provide tailored insurance solutions for properties in conservation areas, combining specialist knowledge with competitive quotations from our insurer panel.
How do you handle complex insurance claims?
Our experienced team streamlines claims processing with efficient administration, offering dedicated support for complex cases while minimising property managers' workloads.
Are you regulated by the Financial Conduct Authority?
Yes, we are a registered insurance broker regulated by the Financial Conduct Authority, ensuring compliance with strict industry standards and consumer protections.
Can you insure newly converted apartment blocks?
We provide coverage for both new build and period conversion apartment blocks, offering bespoke policies that address structural and liability risks specific to these properties.
What additional protections do you offer?
We include options like terrorism cover, index-linked sum insured adjustments, and 24-hour glass replacement on selected policies, with flexible payment arrangements available.
