We live in a block of six houses which has communal area (car park etc . . .) which is governed by the Management Company to which all six houses are directors of. We all own our own houses and are each responsible for the insurance cover on them but we, the Management Company, need to have in place appropriate insurance to cover the car park, electric gates, perimeter wall/fence, trees (4 enormous trees right on the edge of the communal area) etc . . . . .but no buildings.
How do we know what type of insurance cover do we need and are there specialist insurance companies that deal with this type of thing. We don't know where to start.
Hope you can help.