Social Housing Insurance

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Howden is your best choice for social housing insurance broking in Scotland. With deep local roots and national reach, our specialist team understands the unique challenges faced by social landlords, from risk management to claims handling.

We offer tailored, cost-effective insurance solutions backed by decades of experience and strong relationships across the social housing sector. We'll help you secure the most appropriate cover from a wide range of insurers, ensuring our clients receive the best protection and advice.

Whether supporting housing associations, cooperatives, or community-led initiatives, we’re committed to helping housing organisations safeguard their people, property, and purpose.

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With over a century of combined experience and one of the largest social housing client portfolios in Scotland, our team brings the insight, advocacy and specialist knowledge that housing providers rely on to stay resilient in a changing risk landscape.
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Richard McDonald
Social Housing Director
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Examples of our cover

  • Brown floodwater pooled against a closed red door, partially submerging the bottom section of the door frame.

    Material damage

    Material damage insurance for buildings, including property owners’ liability.

  • Five people in an office sit in a casual meeting, one woman standing and speaking while others listen attentively.

    Commercial insurance

    Commercial combined insurance providing comprehensive cover for office contents and protection against property damage or injury to employees and members of the public.

  • Two people sitting at a table in an office, reviewing documents together.

    Financial lines

    Financial lines insurance offering protection through professional indemnity, directors and officers, employment practices liability, and safeguarding against crime.

  • Close-up of a shiny car door and handle with building reflections, with another blurred car in the background.

    Motor

    Motor fleet solutions providing comprehensive cover for your business vehicles.

  • Two construction workers in safety gear carry wooden beams on scaffolding at a building site with roof trusses in the background.

    Contractors

    Contractors all risks designed to cover works in progress, materials on site, plant and equipment.

  • Man in a suit works at a computer in a modern office; colleagues are working at desks and in booths in the background.

    IT

    Computer insurance providing coverage for data loss, increased cost of working, and expenses incurred to repair or replace computer equipment and systems following accidental damage, theft, or technical failure.

  • Two construction workers wearing helmets and vests talk on the second floor of a partially built concrete structure.

    Engineering

    Regular engineering inspections to ensure compliance with statutory standards.

  • Two people check a tablet and laptop while standing next to server racks in a data center or server room.

    Cyber

    Cyber insurance designed to safeguard your business against the financial impact of cyber-attacks, data breaches and system failures, while also providing expert incident response support.

  • Two women in athletic wear smiling and walking arm in arm on a rocky riverside path at sunset.

    Personal

    Personal accident cover providing financial benefits for employees who suffer accidental bodily injury, resulting in temporary or permanent disability, or death.

Why choose Howden?

  • Experience

    Across the team, we have over 100 years of experience in providing social housing insurance products.

  • Trust

    We are trusted by over 70 housing associations across Scotland meaning we know your industry and the challenges you face.

  • Care

    As global brokers with the care and attention of a local team, your policy is built exclusively around your individual needs.

Key contacts

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:

-contacting your Howden Service Team
-calling Howden on 020 7623 3806
-using the enquiry form

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