Insurance built for property owners, operators and developers, protecting commercial, residential and mixed-use assets across the full property lifecycle.
Insurance built for property owners, operators and developers, protecting commercial, residential and mixed-use assets across the full property lifecycle.
Specialist Risk Group (SRG) specialises in non-standard and complex real estate risks, delivering bespoke insurance programmes for commercial landlords, property owners, developers and portfolio managers across acquisition, development and operation.
The real estate sector is continually evolving – from market cycles and regulatory shifts to changing tenant demands and sustainability. Property owners and developers face exposures ranging from physical damage and liability to environmental risk, pollution exposure, construction disruption and income interruption. Professional risk management and tailored insurance are critical to preserving asset value, managing costs, and planning for long-term resilience.
Losses from fire, flood, storm, or other perils.
Risks associated with tenants, visitors, and contractors.
Managing multiple properties with diverse risk profiles.
Cost overruns, builder defaults, or project delays.
Pollution liability, environmental damage, regulatory exposure, historic land contamination and site remediation costs.
Interrupted rental income or operational losses due to insured events.
We support a wide range of real estate clients, including:
Essential protection for businesses against employee injury or illness arising in the course of their work.
Protection against financial loss caused by employee dishonesty, fraud, forgery, theft, and other criminal acts.
Covering construction risks, subcontractor defaults, and delay exposures.
Protection against cyber attacks, data breaches, ransomware, and business interruption affecting your property operations.
Specialist cover to unlock property transactions, support development projects, and protect value where legal or title defects exist.
Executive cover for decision-makers in real estate companies.
Protection against claims arising from injury or property damage involving tenants, visitors, contractors, and other third parties.
Property owners and developers typically require Property Owners’ insurance for completed assets, alongside Development or Construction insurance for projects in progress. Additional cover may be needed for portfolios, mixed-use assets, unoccupied properties and environmental exposure.
Completed properties require cover focused on physical damage, liability and income protection. Developments require specialist insurance for works in progress, materials, contractors, delays and capital investment until practical completion.
Property owners can be held liable for injury or damage involving occupiers, visitors or contractors. Property Owners' Liability insurance protects against the financial impact of these claims.
They can do. Directors & Officers (D&O) insurance protects individuals against claims arising from governance decisions, financial management, regulatory matters and investor scrutiny.
Property Damage insurance covers reinstatement following insured events such as fire, flood or storm, while Business Interruption or Loss of Rent cover helps protect rental income and revenue during the recovery period.
Yes. Unoccupied or vacant properties carry increased risk and often fall outside standard policy terms. Specialist insurance is required to maintain full protection during periods of vacancy or transition.
Refurbishment and redevelopment require Construction or Development insurance to cover works in progress, materials, contractor activity and potential delays that could affect project viability.
Insurance can respond to certain delay-related losses following insured events, helping protect project timelines and financial planning. We structure cover to reflect funder and contractual requirements.
Yes. Environmental Liability insurance can cover pollution incidents, clean-up costs, environmental damage and regulatory exposure, particularly for brownfield sites, redevelopment projects or properties with historic land use.
Yes. Portfolio insurance allows multiple assets, locations and property types to be insured under a single programme, providing consistency of cover and more efficient management across complex holdings.
Well-structured insurance programmes protect asset value, stabilise income, support funding arrangements and reduce volatility across property cycles.
We specialise in non-standard and complex real estate risks. Our specialists design bespoke programmes, access leading insurance markets and provide long-term support as assets and portfolios evolve.
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