Real Estate Insurance Solutions for Property Professionals
Real estate investment and management demand specialist insurance support. Whether you're a professional property management company overseeing multiple clients' portfolios, a landlord managing residential properties, an investor building a commercial real estate portfolio, or a developer managing complex projects, comprehensive insurance protection is essential. We specialise in supporting property managers and professional management companies with tailored coverage that reflects the unique risks and responsibilities of managing properties on behalf of clients.
Our expertise spans the full range of property professionals. We work with landlords, property investors, portfolio owners, property developers, estate and letting agents, and property management companies to arrange insurance that truly reflects your specific needs and exposures. Whether you manage a single property or a diverse portfolio, our team has the experience to identify gaps in standard coverage and arrange tailored solutions that keep you protected.
What's Covered
- Property Damage & Buildings: Structural damage to buildings, roofs, walls, and permanent fixtures from fire, flood, subsidence, and other insured events
- Landlords Contents & Fixtures: Fitted carpets, curtains, kitchen units, and other permanent fixtures that remain your responsibility as landlord
- Loss of Rental Income: Protection if your property becomes uninhabitable, covering lost rental income until it's ready for occupation again
- Property Owners' Liability: Coverage if a tenant, visitor, or third party is injured on your property due to your negligence
- Employers' Liability: Legal liability cover for property management staff, including cleaners, gardeners, and maintenance workers
- Equipment & Engineering Inspection: Specialist cover for lifts, boilers, pressure equipment, and mandatory inspection coverage
- Terrorism Cover: Optional extension covering damage or loss resulting from acts of terrorism, available for properties in high-risk areas
What's Not Covered
Wear and Tear: Gradual deterioration, normal aging, or poor maintenance of the property
Unoccupied Properties: Damage to properties left unoccupied beyond a set period (typically 30–60 days)
Deliberate Damage: Loss caused by intentional damage or criminal acts by tenants or third parties
Pre-Existing Structural Faults: Damage resulting from structural defects present before the policy start date
Tailored Solutions for Property Professionals
We understand that different property professionals face different risks. Whether you're a landlord with a small residential portfolio, a property manager overseeing multiple clients' assets, or a developer managing construction and completion risks, we arrange insurance specifically tailored to your situation. Our approach is to understand your business model, assess your unique exposures, and build a comprehensive insurance programme that covers what matters most to you.
We Specialise in Serving
Property Managers & Letting Agents
Professional indemnity, client money protection, and management liability cover for property management and letting businesses.
Landlords & Property Owners
Comprehensive landlord insurance covering buildings, contents, rental income protection, and landlords' liability for residential properties.
Real Estate Investors & Developers
Tailored coverage for commercial property investments, development projects, and complex portfolios with specialist contract works insurance.
Portfolio & Asset Management
Consolidated insurance programmes for large diversified property portfolios with centralized management and reporting.
Risk Management & Support
We don't just arrange insurance—we help you manage the risks that keep property professionals awake at night. Our support includes:
- Property Valuations: Accurate valuation of buildings and contents to ensure you're correctly insured without over-paying for unnecessary cover
- Risk Assessment: Professional assessment of your property portfolio to identify exposures and recommend appropriate mitigation measures
- Regulatory Compliance: Advice on managing compliance obligations including safety standards, building regulations, and health & safety requirements
- Claims Support: Expert 24/7 claims support to guide you through the process if you need to make a claim