Real Estate Insurance.

Insurance built for property owners, operators and developers, protecting commercial, residential and mixed-use assets across the full property lifecycle.

UK - Real Estate - Header@2x
Benefits

How Specialist Risk Group supports this sector.

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.

Expertise in complex property risks

We specialise in challenging and complex real estate risks that others may actively avoid.
GBS - Property - Asset-heavy industries

Premium savings through safety performance

Clients with strong health and safety records may qualify for reduced premiums.
Global - Construction - 2-1

Access to leading insurers

We work with top-tier insurance markets to secure comprehensive cover.
Global - Construction - 11

Dedicated relationship management

Over 4,000 property owners and developers rely on us, each with a dedicated advisor.
Global - Office - 2

Industry challenges.

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.

Key Risks.

UK - Physical damage option@2x

Physical damage

Losses from fire, flood, storm, or other perils.

Our clients

Who is it for?

We support a wide range of real estate clients, including:

Commercial property owners and developers
Global - Construction - 7-2
Residential property owners and portfolio holders
UK - Cyber and home systems disruption@2x
Mixed-use property operators
Global - Property - 9-1
Developers of residential, commercial, or regeneration projects
Global - Construction - 5
Owners of vacant or unoccupied properties
UK - Distressed and vacant property risk@2x
Property managers and real estate investment firms
UK - Cross Border Equity Investors and Asset Managers
Commercial property owners and developers
Global - Construction - 7-2
Residential property owners and portfolio holders
UK - Cyber and home systems disruption@2x
Mixed-use property operators
Global - Property - 9-1
Developers of residential, commercial, or regeneration projects
Global - Construction - 5
Owners of vacant or unoccupied properties
UK - Distressed and vacant property risk@2x
Property managers and real estate investment firms
UK - Cross Border Equity Investors and Asset Managers

Related products and covers.

We tailor our offering to the specific needs of real estate businesses we work with. Typical covers we can arrange include: 
iStock-1365112392

Employers' Liability insurance

Essential protection for businesses against employee injury or illness arising in the course of their work.

Frequently Asked Questions.

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.

Article

Harnessing Energy Efficiency Insurance to Boost Surveyor’s Services Sales

As the demand for energy-efficient commercial properties continues to rise, surveyors play a crucial role in assessing and certifying the energy performance of buildings.
Article

Efficiency Upgrade Insurance: Unlocking Benefits for Tenants, Owners, and Funders of Commercial Properties in the UK

Energy Efficiency Upgrade insurance is becoming a valuable tool to incentivise and protect commercial property owners, tenants, funders, but also advisors. But what are the benefits of this type of insurance? And how does it drive sustainable practices in the commercial property sector?
Article

Navigating the Changing Regulatory Landscape: Energy Efficiency in Real Estate

It’s obvious that there has been an increased emphasis on energy efficiency when it comes to real estate, but what are the advantages to both owners and occupants?
Case Study

How we support real estate with environmental insurance policies

An existing manufacturing client of Specialist Risk Insurance Solutions (SRIS) was buying out the freeholder of their business premise and as part of the due diligence, they carried out a phase 1 environmental report.
Case Study

The importance of working with a specialist insurance broker

Read our latest case study to see how we were able to negotiate a c.20% premium reduction for the client and settled the claim within 7 days of appointment
Businesses

Index Linking – What you need to know

Have you heard of index linking yet? At the risk of it becoming another term that people hear but don’t understand – we’re here to explain it as simply as we can.

Speak to a specialist.

You can easily contact us by filling out the form. Once you have submitted your enquiry, one of our friendly colleagues will reach out to you.