SRS Insurance | Specialist Property Insurance for Local Authority, Asylum Seeker & Homeless Accommodation
SRS Insurance provides specialist property insurance for hotels, B&Bs, HMOs and residential buildings leased to local authorities, asylum seeker agencies and homeless accommodation providers. Tailored cover for high-risk and non-standard occupancy.
Why You Need Specialist Insurance
Most standard insurers refuse cover when:
- Tenants are placed by local authorities
- The building is used as asylum accommodation
- Emergency placements or rough sleeper schemes operate
- There is no AST agreement
- Occupants are transient, high-risk or cannot be vetted
- A hotel or B&B is repurposed for temporary housing
If the insurer is not told about the true occupancy, claims can be rejected.
SRS Insurance specialises in these exact scenarios.
What SRS Insurance Covers
Our cover is designed to protect the building, the landlord and the income stream — even in challenging accommodation environments.
Buildings Insurance
Protection against:
- Fire, flood and storm damage
- Escape of water
- Malicious damage by tenants
- Accidental damage
- Impact damage
- Vandalism or forced entry
Suitable for hotels, B&Bs, HMOs, flats and commercial buildings converted into accommodation.
Landlord Contents Cover
Covers furniture, fixtures and fittings, including:
- Beds and basic furnishings
- White goods
- Carpets and flooring
- Kitchen equipment
- Communal-area items
Loss of Rent & Alternative Accommodation
If the building becomes uninhabitable due to an insured event, we can cover:
- Loss of rent paid by the council or agency
- Temporary accommodation costs
- Contractual obligations to providers
Property Owners’ Liability
Covers injury or damage claims involving:
- Occupants
- Visitors
- Support staff
- Contractors
- Local authority workers
If someone trips on a broken step or is injured by an appliance, liability cover protects the property owner.
Employers’ Liability (Where Required)
If you employ:
- Caretakers
- On-site teams
- Maintenance workers
…employers’ liability is a legal requirement.
Malicious Damage by Tenants
Essential for high-turnover or difficult-to-vet placements, covering deliberate or reckless damage caused by residents.
Unoccupied Property Cover
Optional cover for periods where:
- The council contract hasn’t started
- The property is between placements
- Renovation or compliance works are underway
Who This Insurance Is For
SRS Insurance works with:
- Hotel and B&B owners leasing all or part of their building
- Landlords with HMOs used for asylum or vulnerable placements
- Investors converting commercial units into temporary accommodation
- Property owners supplying rooms for rough sleeper programmes
- Owners leasing buildings for Home Office asylum contracts
- Charities and supported housing partners
- Developers leasing serviced apartments to the council
We also cover buildings used under:
- Section 188 Housing Act placements
- Home Office Asylum Accommodation (AASC) schemes
- Resettlement programmes (Syrian, Afghan, Ukrainian etc.)
- Emergency or crisis accommodation contracts
Why Standard Insurance Fails
Typical insurers decline because:
- They require an AST: none exists in emergency placements
- They exclude asylum seeker or homeless tenants
- They don’t accept council-placed residents
- They class the property as high-risk
- They exclude malicious damage
- They reject non-standard occupancy contracts
SRS Insurance works only with underwriters who understand this sector.
Frequently Asked Questions
Yes — but only with a specialist insurer. Standard hotel policies almost always exclude this.
Absolutely. Failure to disclose tenant type can void the entire policy.
Yes — portfolio cover with a single renewal date is available.
Yes — we work directly with property managers and procurement teams.
Why Choose SRS Insurance?
Our strengths include:
- Extensive experience with temporary and supported housing
- Access to specialist A-rated insurers
- Fast quotations — single property or full portfolio
- Flexible terms for complex or mixed-use buildings
- Support reviewing council contract requirements
- Advice on risk management & compliance
Whether you are leasing six rooms or sixty, SRS Insurance provides tailored cover that protects your asset and your livelihood.
Request a Quote from SRS Insurance
If you lease your property to a local authority or government contractor — or plan to — you need specialist protection.
SRS Insurance can help you with:
- Correct property cover
- Loss of rent protection
- Liability and compliance requirements
- Contract and risk review
Protect your property investments with SRS Commercial Property Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.