Skip to main content
Explore BTR insurance for construction and operational risks, with tailored cover and specialist guidance from Lockton’s real estate and construction teams
Protecting your investment with tailored insurance solutions
Build to Rent (BTR) and co-living developments need more than generic property developers insurance. You need tailored cover that protects your assets, supports your financial objectives and helps safeguard tenants throughout the property lifecycle.
We provide insurance for Build to Rent developers, owners and operators, backed by in-depth knowledge of the BTR and co-living sectors. From development and construction through to operation, we work with you to understand your business, anticipate potential challenges and build an effective, risk management strategy. We give you confidence to focus on building successful, sustainable communities.
Meet Asset Connect®
Streamline property management with Asset Connect®. Real-time insights, ESG tracking, and risk data - all in one secure dashboard, supported by insurance knowledge for full optimisation.
Learn moreWhat we will bring to your business
Legal indemnities and transactional risks
Construction all risks and project insurance
Retained structure and latent defect cover
Material damage and loss of rental income
Terrorism solutions
Employers, Public, and Property Owners liability
Cyber liability, data protection, and computer cover
Professional Indemnity and Directors & Officers liability
Engineering insurance and machinery breakdown
Environmental liability
Who we cover
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Property owners and developers
Real Estate Investment Trusts (REITs)
Private equity firms
Property management companies
Housing associations
Local authorities
Build to Rent operators
Co-living space developers
Co-living providers
Banks and lenders
Pension funds and insurance companies
Joint ventures involving the above
Our BTR and Co-Living Team
Stephan Bachmann
CEO – Lockton Switzerland
Stephan.Bachmann@lockton.com
+41 79 729 17 79
Romain Hemery
Head of Romandie and Marine
Romain.Hemery@lockton.com
+41 79 867 30 20
Get in touch
BTR and Co-Living FAQs
What kind of protection is provided for operational BtR assets?
For built and operational BTR properties, Lockton provides a range of insurance solutions to manage risks such as property damage, loss of rental income, and third-party liabilities. Coverage includes Material Damage, Engineering Inspections, Cyber Liability, Professional Indemnity, and Directors & Officers Liability solutions. Our policies are designed to address the unique risks that come with managing large-scale rental properties, including cover for ancillary services like concierge, valet parking, and cleaning services, ensuring that all potential exposures are comprehensively managed.
How does Lockton help with managing claims for BtR assets?
Lockton provides a proactive and client-centric claims management service. Our dedicated team handles everything from fast-tracking low-value claims to managing complex, large losses. We leverage technology-based solutions such as water leak detection monitoring to mitigate risks before they turn into significant losses. Our focus is on ensuring a seamless claims process, with clear communication and swift settlements, allowing our clients to recover quickly and efficiently.
What are ESG-integrated insurance solutions, and how are they relevant to BtR projects?
ESG-integrated insurance solutions incorporate environmental, social, and governance (ESG) considerations into insurance placement and risk management. For BTR projects, this can mean using climate modelling to understand long-term environmental exposures or creating non-traditional placement structures that satisfy both lender requirements and sustainability goals. Lockton’s ESG-focused approach helps BTR developers and investors protect their assets while supporting their broader sustainability and corporate responsibility objectives, ensuring resilience against evolving risks in the sector.
How do you request a BTR insurance quote?
To discuss a quote, contact Lockton’s BTR and Co-Living team and tell us whether your asset is in development or operation. Share the covers you want to consider, any retained structures or ancillary services, and relevant lender requirements. This information will help the team discuss a tailored approach and the applicable policy limits, excesses and exclusions.
Latent defects insurance for Build to Rent developments
Latent defects insurance is designed to address damage caused by defects in design, materials or workmanship that become apparent after construction, subject to the policy’s terms and exclusions. Developers should consider this cover during the construction phase so that it can form part of the project’s wider insurance and lender requirements.