Property Insurance

Specialist protection for Property risks

Property insurance sits at the intersection of physical assets, financial exposure and the circumstances surrounding them. The right structure needs to reflect the property itself, how it is used, where it is located and what could happen if things go wrong.

At United Risk Partners, we arrange property insurance for owners, developers, investors and businesses across commercial and residential portfolios. We work across the Lloyd’s and international specialty markets to structure cover around the risk, rather than forcing it into a standard policy.

Who we support:

  • Commercial property owners and developers
  • Property investors, asset managers and REITs
  • Family offices and private investors
  • Mixed-use and multi-tenant properties
  • Hospitality, retail and logistics portfolios
  • Vacant and non-performing assets
  • Property funds and international real estate investors
  • Businesses with significant property exposures

What we cover

Every property has its own combination of physical, financial and operational exposures. We work with you to understand the asset, the circumstances around it and the consequences of a loss before structuring the insurance.

Commercial property all-risks insurance

Protection for buildings, contents and associated assets against physical loss or damage, with cover structured around the nature and use of the property.

Property owners’ liability

Cover for legal liabilities arising from ownership, occupation or management of property, including injury to third parties and damage to their property.

Business interruption and rental income

Protection against the financial consequences of an insured loss, including lost rental income, additional costs and the time required to restore operations.

Construction and development

Insurance for properties during construction, refurbishment or development, including the changing risks associated with works on site.

Catastrophe-exposed property

Specialist solutions for properties exposed to flood, earthquake, hurricane and other natural catastrophe risks, with access to international capacity where required.

Terrorism and political violence

Protection for properties exposed to terrorism, political violence, sabotage and related perils, including risks that may sit outside conventional property policies.

Expertise for complex Property placements.

Property risks are rarely straightforward.

Our brokers combine technical property expertise with established relationships across Lloyd’s and the international specialty markets. This gives us the flexibility to build programmes around individual assets, portfolios and more difficult-to-place risks.

We take a practical approach to placement, considering the available capacity, the structure of the programme and the detail within the risk. The result is insurance that is properly considered from the outset and designed to respond when it matters.

Talk to an expert in Property insurance.

Discuss your requirements with us.

From a single commercial property to a large international portfolio, United Risk Partners can help you structure protection around your assets, your exposure and the way your business operates.

Neil Bagwell

neil.bagwell@urpinsure.com